AOR strategy
Apr 7, 2016, 8:27 am
#1
Original Poster
Join Date: Sep 2015
Posts: 199
AOR strategy
Looking at applying for a few cards for taxes and home reno projects. Looking to apply in this order on same day. Prestige is the card I want to most as I have Citigold.
Citi Prestige
Chase Freedom
Barclay Arrival Plus
AMEX SPG( i know i missed the 35k, maybe they will match)
I have 150k MR, 150k UR. Already have Amex plat, Ink, CSP, Citi Exec and Amex ED.
This will be my first citi typ card. Is there any other card issuer I am leaving out? I have also considered the crystal infinite card as I live in CA, but I want to try and get all the cards on 1 HP. As I understand you have to apply in branch for this.
5 new accounts(5 pulls on EX) since August 2015 so I know I am cutting it close with Chase. No pulls on EQ or TU. FICO 775-792 based on AMEX and CITI fico score from their websites.
Citi Prestige
Chase Freedom
Barclay Arrival Plus
AMEX SPG( i know i missed the 35k, maybe they will match)
I have 150k MR, 150k UR. Already have Amex plat, Ink, CSP, Citi Exec and Amex ED.
This will be my first citi typ card. Is there any other card issuer I am leaving out? I have also considered the crystal infinite card as I live in CA, but I want to try and get all the cards on 1 HP. As I understand you have to apply in branch for this.
5 new accounts(5 pulls on EX) since August 2015 so I know I am cutting it close with Chase. No pulls on EQ or TU. FICO 775-792 based on AMEX and CITI fico score from their websites.
Apr 7, 2016, 8:32 am
#2
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Do you mean one inquiry per issuer? Each issuer will pull from one or more credit bureau. If the bureau sees multiple pulls on the same day from the same issuer they may consolidate them into a single event, but if they see one each from four issuers there is nothing to consolidate.
Chase looks at accounts opened in the past 24 months (in addition to inquiries). If you have opened five in that period why do you think you are "close" rather than over their apparent limit?
Chase looks at accounts opened in the past 24 months (in addition to inquiries). If you have opened five in that period why do you think you are "close" rather than over their apparent limit?
Apr 7, 2016, 9:17 am
#3
Join Date: Oct 2013
Location: Arizona
Programs: Hyatt Diamond, Southwest CP, SPG Gold, Hilton Gold, Club Carlson Gold
Posts: 93
Chase approved me for two personal cards (IHG AND United Explorer) last week. I've gotten approximately 300 cards in the last two years. Jokes, but seriously I've gotten about 25 plus added 30 AU's.
Apr 7, 2016, 9:10 pm
#5
Original Poster
Join Date: Sep 2015
Posts: 199
Do you mean one inquiry per issuer? Each issuer will pull from one or more credit bureau. If the bureau sees multiple pulls on the same day from the same issuer they may consolidate them into a single event, but if they see one each from four issuers there is nothing to consolidate.
Chase looks at accounts opened in the past 24 months (in addition to inquiries). If you have opened five in that period why do you think you are "close" rather than over their apparent limit?
Chase looks at accounts opened in the past 24 months (in addition to inquiries). If you have opened five in that period why do you think you are "close" rather than over their apparent limit?
So if I applied for 2 amex cards, that could be combined? But if I do chase, amex, citi etc that would certainly be 3 hp?
Apr 7, 2016, 9:18 pm
#6
Original Poster
Join Date: Sep 2015
Posts: 199
Apr 8, 2016, 3:20 am
#7
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
The main purpose of AOR is to apply as many cards as possible before the HPs are recorded in your credit reports. The more of them start showing up, your chance will significantly decrease.
Apr 8, 2016, 6:05 pm
#8
Join Date: Jan 2010
Location: DCA/RIC
Programs: HH LTD, AA LTG
Posts: 1,015
