2013 App-O-Rama (AOR) and Churn Advice Archive
#1396
Join Date: Jul 2013
Location: Austin, Texas
Posts: 400
Just completed an AOR:
1. Barclays US Airways - still have an open USAir card I opened in Dec 2011. No decision (assume declined)
2. Barclays Arrival - I was only going to apply for this if USAir was declined, my hope being that it would only result in the single inquiry and I can call recon about the Arrival. No decision.
3. SPG Personal - Approved instantly. Already have BCP, BGR (got in Feb)
4. SPG Business - No decision. Expected since I just submitted the SPG Personal app, but I'm hoping for one inquiry from Amex.
5. Chase IHG Club - Approved instantly. Already have Freedom, United, Amazon with Chase.
6. Citi AA Visa - Approved via chat. Already have AA Amex, AA Visa biz with Citi.
Went about as expected. Hopefully I can push the SPG Biz through.
1. Barclays US Airways - still have an open USAir card I opened in Dec 2011. No decision (assume declined)
2. Barclays Arrival - I was only going to apply for this if USAir was declined, my hope being that it would only result in the single inquiry and I can call recon about the Arrival. No decision.
3. SPG Personal - Approved instantly. Already have BCP, BGR (got in Feb)
4. SPG Business - No decision. Expected since I just submitted the SPG Personal app, but I'm hoping for one inquiry from Amex.
5. Chase IHG Club - Approved instantly. Already have Freedom, United, Amazon with Chase.
6. Citi AA Visa - Approved via chat. Already have AA Amex, AA Visa biz with Citi.
Went about as expected. Hopefully I can push the SPG Biz through.
I just got approved for the Barclays US Airways card, how should I wait before applying for the Barclays Arrival?
#1397
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
#1399
Join Date: Aug 2013
Location: Washington, DC
Programs: United, UR, AA, USAirways, AirTran, JetBlue, SPG, Hilton
Posts: 25
Thinking of having a family member do their first AOR or mini-AOR but their credit score (per Credit Karma) is 709. Is this manageable?
Was thinking UA Explorer, Sapphire, and either Citi AA or Barclays US Airways.
Was thinking UA Explorer, Sapphire, and either Citi AA or Barclays US Airways.
#1400
Join Date: Oct 2012
Posts: 37
Do they have any credit cards with history on the report? If yes, go for it.
#1401
Join Date: Oct 2008
Location: DFW
Programs: AA (EXP), HH (Diamond), SPG (Platinum), HGP (Diamond), National Car (Exec Elite)
Posts: 153
BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
#1402
Join Date: Jul 2013
Location: Austin, Texas
Posts: 400
My CK score is only 694 and I have all those cards and many more. If you have history that you can explain, don't hesitate. Just be prepared to talk about the items that keep your score low.
BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
Can CK report a higher score than your actual TransUnion? Obviously it can report a lower score such as in your case.
#1403
Join Date: Jul 2011
Location: SEA
Programs: DL DM
Posts: 171
I have done it mid-AOR after Amex and Citi, since they never agree to pull another, to get Chase, Barclays, and BOA to pull others and had success.
For Amex I have had them come back days later on the 2nd card and insist on the pin to access Experian.
Freezing after the fact should not impact anything that already happened.
For Amex I have had them come back days later on the 2nd card and insist on the pin to access Experian.
Freezing after the fact should not impact anything that already happened.
#1404
Join Date: Oct 2008
Location: DFW
Programs: AA (EXP), HH (Diamond), SPG (Platinum), HGP (Diamond), National Car (Exec Elite)
Posts: 153
Keep in mind, if you are trying to build your score up for home purchasing, then this is all a moot point. If you don't see any of that in your near future, fire away and take your way out of pending approval and declines. It's pretty easy.
#1405
Join Date: Jul 2013
Location: Austin, Texas
Posts: 400
Thankfully, we bought our house last year and don't plan for any big purchases anytime soon.
#1407
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,408
My CK score is only 694 and I have all those cards and many more. If you have history that you can explain, don't hesitate. Just be prepared to talk about the items that keep your score low.
BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
#1408
Join Date: Aug 2013
Posts: 160
Hi all,
This is my first post -- and my first attempt at an AOR. I've tried to do my research so I'll keep it simple. Goal is international premium travel on Star Alliance and OneWorld.
Round 1:
Me: Chase Mileage Explorer (I have 50k offer), Chase Ink Bold, Citi Aadvantage Platinum Visa, Starwood Preferred Guest Amex
Husband: Chase Sapphire Preferred, Chase Ink Bold, Citi Aadvantage Platinum, Starwood Preferred Guest Amex
9 Days Later: We both apply for Citi Aadvantage again
Three months later:
Me: Chase Sapphire Preferred
Husband: Chase MileagePlus Club, CitiBusiness Aadvantage Visa
I can't believe we can/should apply for two Citis in 9 days. Feel a little nervous about that one. All thoughts appreciated!
This is my first post -- and my first attempt at an AOR. I've tried to do my research so I'll keep it simple. Goal is international premium travel on Star Alliance and OneWorld.
Round 1:
Me: Chase Mileage Explorer (I have 50k offer), Chase Ink Bold, Citi Aadvantage Platinum Visa, Starwood Preferred Guest Amex
Husband: Chase Sapphire Preferred, Chase Ink Bold, Citi Aadvantage Platinum, Starwood Preferred Guest Amex
9 Days Later: We both apply for Citi Aadvantage again
Three months later:
Me: Chase Sapphire Preferred
Husband: Chase MileagePlus Club, CitiBusiness Aadvantage Visa
I can't believe we can/should apply for two Citis in 9 days. Feel a little nervous about that one. All thoughts appreciated!
#1409
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
Hi all,
This is my first post -- and my first attempt at an AOR. I've tried to do my research so I'll keep it simple. Goal is international premium travel on Star Alliance and OneWorld.
Round 1:
Me: Chase Mileage Explorer (I have 50k offer), Chase Ink Bold, Citi Aadvantage Platinum Visa, Starwood Preferred Guest Amex
Husband: Chase Sapphire Preferred, Chase Ink Bold, Citi Aadvantage Platinum, Starwood Preferred Guest Amex
9 Days Later: We both apply for Citi Aadvantage again
Three months later:
Me: Chase Sapphire Preferred
Husband: Chase MileagePlus Club, CitiBusiness Aadvantage Visa
I can't believe we can/should apply for two Citis in 9 days. Feel a little nervous about that one. All thoughts appreciated!
This is my first post -- and my first attempt at an AOR. I've tried to do my research so I'll keep it simple. Goal is international premium travel on Star Alliance and OneWorld.
Round 1:
Me: Chase Mileage Explorer (I have 50k offer), Chase Ink Bold, Citi Aadvantage Platinum Visa, Starwood Preferred Guest Amex
Husband: Chase Sapphire Preferred, Chase Ink Bold, Citi Aadvantage Platinum, Starwood Preferred Guest Amex
9 Days Later: We both apply for Citi Aadvantage again
Three months later:
Me: Chase Sapphire Preferred
Husband: Chase MileagePlus Club, CitiBusiness Aadvantage Visa
I can't believe we can/should apply for two Citis in 9 days. Feel a little nervous about that one. All thoughts appreciated!
You may want to think about other hotel cards for your 3 mo cycle. Those also depend a lot on the destination you are going.
#1410
Join Date: Aug 2013
Posts: 160
Thank you! You are correct about SPG. I'm just starting to look at hotel cards - hopefully will be more up to speed on those in a couple of months. There is so much to learn!
Looking forward to pulling the trigger, probably next week. Will post our results if they are revelatory in some way.
Looking forward to pulling the trigger, probably next week. Will post our results if they are revelatory in some way.