132 CCs and counting

Reply

Old Nov 10, 08, 3:50 pm
  #1  
Original Poster
 
Join Date: Sep 2008
Location: NYC
Programs: AA PLT 2MM
Posts: 391
132 CCs and counting

In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!

Most of the miles have been with AA, but also NW, UA, CO, AMEX MP, Delta, Citi TYP, Midwest, Starwood, and Hilton, for a total of over 2 million miles/points.

I am most proud, however, after years of telling my parents about the free business class trips we take all over the word, that my mother finally has the CC churning bug. And driving my father crazy!

Any other tales of CC excess out there?
j3brooklyn is offline  
Reply With Quote
Old Nov 10, 08, 5:08 pm
  #2  
 
Join Date: Jul 2005
Location: Washington, D.C.
Programs: AA PLT 2.0MM, Amex PLT
Posts: 870
Originally Posted by j3brooklyn View Post
In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!

Most of the miles have been with AA, but also NW, UA, CO, AMEX MP, Delta, Citi TYP, Midwest, Starwood, and Hilton, for a total of over 2 million miles/points.

I am most proud, however, after years of telling my parents about the free business class trips we take all over the word, that my mother finally has the CC churning bug. And driving my father crazy!

Any other tales of CC excess out there?
Do you have an inquiry count for us on each bureau? Do you freeze/unfreeze any bureaus? Give us more details! 132 is impressive!
technique is offline  
Reply With Quote
Old Nov 10, 08, 5:34 pm
  #3  
Original Poster
 
Join Date: Sep 2008
Location: NYC
Programs: AA PLT 2MM
Posts: 391
Credit Bureaus

Sorry, but I haven't really paid any attention to the credit pulls. I have, however, been careful with the Citibank 60 day (2 personal) and 90 day (1 business) limits.
j3brooklyn is offline  
Reply With Quote
Old Nov 10, 08, 6:09 pm
  #4  
Moderator: Mileage Run, InterContinental Hotels & Radisson Hotel Group
 
Join Date: May 2004
Posts: 5,316
Originally Posted by j3brooklyn View Post
In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!

Most of the miles have been with AA, but also NW, UA, CO, AMEX MP, Delta, Citi TYP, Midwest, Starwood, and Hilton, for a total of over 2 million miles/points.

I am most proud, however, after years of telling my parents about the free business class trips we take all over the word, that my mother finally has the CC churning bug. And driving my father crazy!

Any other tales of CC excess out there?
132 applications is certainly impressive, but you could have gotten the same amount of miles with a lot fewer applications. Most of the cards you list (NW, UA/CO, DL/*W) rarely produce multiple bonus miles. You may have gotten multiple cards approved, and an occasional multiple bonus may have slipped through, but you mostly received bonus denial letters. Although we exchange information away from this site, our network of hardcore churners does have quite a few data points, enabling us to call BS on your story. Welcome to FT, though!
jpdx is offline  
Reply With Quote
Old Nov 10, 08, 6:24 pm
  #5  
 
Join Date: Sep 2006
Location: HNL
Programs: AS MVP, HH Diamond
Posts: 3,188
Originally Posted by jpdx View Post
132 applications is certainly impressive, but you could have gotten the same amount of miles with a lot fewer applications. Most of the cards you list (NW, UA/CO, DL/*W) rarely produce multiple bonus miles. You may have gotten multiple cards approved, and an occasional multiple bonus may have slipped through, but you mostly received bonus denial letters. Although we exchange information away from this site, our network of hardcore churners does have quite a few data points, enabling us to call BS on your story. Welcome to FT, though!
There is no need for calling shenanigans on OP. Did OP SAY he got multiple bonuses on all cards? Perhaps you could ask some specific questions to try and figure out how OP pulled it off? Where do you get off saying what OP did or didn't get? (mostly rec'd bonus denial letters??) Give OP a break, if they are trolling or lying then the truth will eventually come out.
Ripper3785 is offline  
Reply With Quote
Old Nov 10, 08, 6:55 pm
  #6  
Original Poster
 
Join Date: Sep 2008
Location: NYC
Programs: AA PLT 2MM
Posts: 391
BS?

Wow, wasn't expecting such nastiness from an FTer. Yes, I have had some denial letters (about 5 in 2 years) and a few times I didn't get the bonus, but those cards were not included in the 132.

I don't really see what's so unbelievable to my claim. Just opening (and closing) 2 personal cards (myself and my wife) each month, and a business card every 90 days equals 700,000 miles EACH YEAR at 25,000 a pop. Add to that 130,000 Starwood points (before they started refusing the bonus) and two unsolicited 50,000 MP AMEX Gold cards and the 2 million is easy.

I don't know what kind of "data points" you're talking about, but I'll give you a list of the cards and the bonus received for each. Maybe you just aren't as good at this game as you think...

United Mileage Plus VISA 20,000 United miles
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
United Mileage Plus VISA 20,000 United miles
Citi Simplicity Rewards Card 10,000 Thank you points
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
Citi Simplicity Rewards Card 10,000 Thank you points
Amazon.com VISA $30 off first purchase
Citi Platinum Select Aadvantage World MC 15,000 Aadvantage miles
CitiBusiness Aadvantage Card (MC) 15,000 Aadvantage miles
Amazon.com VISA $30 off first purchase
AMEX Gold Rewards Plus 50,000 AMEX points
AMEX Gold Rewards Plus 50,000 AMEX points
United Mileage Plus VISA 20,000 United miles
Citibusiness Platinum Select 10,000 Thank you points
Delta Sky Miles Gold (Amex) 15,000 Delta miles
Citi Diamond Preferred Rewards Card 10,000 Thank you points
Citi Aadvantage World Mastercard 15,000 Aadvantage miles
United Mileage Plus Platinum Business VISA 20,000 United miles
AMEX Business Gold Rewards $250 off first purchase
Delta Sky Miles Gold Business Card (Amex) 12,500 Delta miles
Delta Sky Miles Gold (Amex) 17,500 Delta miles
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
World Perks Visa Signature 15,000 Worldperks miles
CitiBusiness Aadvantage Card (MC) 20,000 Aadvantage miles
World Perks Visa Signature 15,000 Worldperks miles
Citibusiness Platinum Select 10,000 Thank you points
CitiBusiness Premier Pass 15,000 Thank you points
Citi PremierPass Card 10,000 Thank you points
Citi Professional Card 10,000 Thank you points
Citi Professional Card 10,000 Thank you points
Citi Diamond Preferred Rewards Card 10,000 Thank you points
Citi Diamond Preferred Rewards Card 10,000 Thank you points
CitiBusiness Aadvantage Card (VISA) 20,000 Aadvantage miles
Bank of America Extra Bases Yankees MC blanket
Midwest Mastercard 5,000 Midwest miles
Midwest Mastercard 5,000 Midwest miles
AMEX Platinum Business FreedomCard 5,000 Freedom Pass points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest Business AMEX 10,000 Starwood points
AMEX Business Green Card 5,000 AMEX points
Amazon.com Buisiness VISA $30 certificate
United Mileage Plus Platinum Business VISA 16,000 United miles
AMEX Business Gold Rewards $100?, 5,000 AMEX points
Amazon.com Buisiness VISA $30 certificate
AMEX Business Gold Card $100 off 1st purchase
Citi Diamond Preferred Rewards Card 6,000 Thank you points
Citi Professional Card 10,000 Thank you points
Citi PremierPass Card 5,000 Thank you points
CitiBusiness Aadvantage Card (MC) 20,000 Aadvantage miles
Citi Aadvantage AMEX 15,000 Aadvantage miles
United Mileage Plus VISA 21,000 United miles
Starwood Preferred Guest Business AMEX 10,000 Starwood points
Citi Platinum Select Aadvantage World MC 15,000 Aadvantage miles
United Mileage Plus VISA 21,000 United miles
Delta Sky Miles Gold Business Card (Amex) 15,000 Delta miles
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
United Mileage Plus Platinum Business VISA 21,000 United miles
Delta Sky Miles Gold Card (Amex) 15,000 Delta miles
Delta Sky Miles Gold Card (Amex) 15,000 Delta miles
CitiBusiness Aadvantage Card (VISA) 20,000 Aadvantage miles
Citi Aadvantage AMEX 15,000 Aadvantage miles
HiltonHonors AMEX 10,000 HiltonHonors points
HiltonHonors AMEX 10,000 HiltonHonors points
Citi Professional Card 15,000 Thank you points
Citi Professional Card 15,000 Thank you points
CitiBusiness Aadvantage Card (MC) 20,000 Aadvantage miles
Citi Premier Pass AMEX 5,000 Thank you points
Citi Premier Pass AMEX 5,000 Thank you points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest Business AMEX 10,000 Starwood points
Citi Diamond Preferred Rewards AMEX Card 10,000 Thank you points
Citi Diamond Preferred Rewards AMEX Card 10,000 Thank you points
Citi Platinum Select Aadvantage World MC 40,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 40,000 Aadvantage miles
AMEX Business Gold Rewards 25,000 AMEX points
AMEX Preferred Rewards Gold Card 10,000 AMEX points
AMEX Preferred Rewards Gold Card 10,000 AMEX points
United Mileage Plus VISA 21,000 United miles
United Mileage Plus Platinum Business VISA 21,000 United miles
CitiBusiness Aadvantage MC 20,000 Aadvantage miles
Citi Aadvantage AMEX 40,000 Aadvantage miles
Starwood Preferred Guest Business AMEX 10,000 Starwood points
Citi Platinum AMEX 15,000 Thank you points
Citi Platinum AMEX 15,000 Thank you points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
United Mileage Plus VISA 21,000 United miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
Citi Premier Pass AMEX 10,000 Thank you points
Continental World Mastercard 20,000 OnePass miles
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
Citi Premier Pass AMEX 10,000 Thank you points
Starwood Preferred Guest Business AMEX 10,000 Starwood points
United Mileage Plus VISA 21,000 United miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
World Perks Visa Business 20,000 Worldperks miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
AMEX Business Gold Rewards 25,000 AMEX points
World Perks Visa Platinum 15,000 Worldperks miles
World Perks Visa Platinum 15,000 Worldperks miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
United Mileage Plus VISA 25,000 United miles
Delta Sky Miles Gold Card (Amex) 22,500 Delta miles
Delta Sky Miles Gold Card (Amex) 22,500 Delta miles
Delta Sky Miles Gold Business Card (Amex) 22,500 Delta miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
Continental World Mastercard 21,000 OnePass miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
United Mileage Plus Platinum Business VISA 25,000 United miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
WaMu VISA $50 gift card
AMEX Preferred Rewards Gold Card 10,000 AMEX points
AMEX Preferred Rewards Gold Card 10,000 AMEX points
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
j3brooklyn is offline  
Reply With Quote
Old Nov 10, 08, 7:55 pm
  #7  
In memoriam
 
Join Date: Jan 2006
Posts: 4,020
Well, I am impressed.

I thought I was doing well keeping 20 or so cards in my wallet at a time--not including the live ones that are sitting in a box waiting for cancellation--because I allready collected the bonuses.

Just typing up that list of cards looks tiring.

Thanks for the info. Care to share your organization methods?
biggestbopper is offline  
Reply With Quote
Old Nov 10, 08, 8:04 pm
  #8  
 
Join Date: Dec 2006
Location: LAX
Programs: SPG Plat Hyatt Diamond BMI Silver
Posts: 476
It is surely an impresive list I have had only like 62 in my whole life (I am 25) and thought I was doing good but WOW
Tom92591 is offline  
Reply With Quote
Old Nov 10, 08, 8:15 pm
  #9  
Moderator: Credit Card Programs & Chase Ultimate Rewards
 
Join Date: Aug 2002
Location: Anywhere a good IPA is served!!
Programs: Too many to list
Posts: 9,985
j3brooklyn,
Do you keep an eye on your FICO score? How much has it fluctuated in the last two years?
philemer is offline  
Reply With Quote
Old Nov 10, 08, 8:28 pm
  #10  
 
Join Date: Dec 2006
Posts: 233
I enjoy credit card bonus's also, but when my boy turns 18, no way am I cosigning a card for him for more than maybe a hundred bucks.... He's gonna have to show he knows how to pay them off....
JoeJetplane is offline  
Reply With Quote
Old Nov 10, 08, 8:34 pm
  #11  
 
Join Date: Mar 2003
Location: New York, NY
Programs: AA CK, A3 Gold, spg100
Posts: 3,659
Some FTers definitely think way too much of themselves.

Great job j3brooklyn and welcome to FT. We don't all bite.
justforfun is offline  
Reply With Quote
Old Nov 10, 08, 8:54 pm
  #12  
Original Poster
 
Join Date: Sep 2008
Location: NYC
Programs: AA PLT 2MM
Posts: 391
Keeping track

The list above is just a dump from my Excel spreadsheet that has the following columns:

Card name
Bonus offered
Date applied
Date activated
Spend amount required for bonus
Date spent
Amount spent
Date paid off
Bonus received
Date canceled
Offer source (web site, mail, etc.)

I'm also careful to record any kind of bonus offer # or print a pdf of the web site as when it comes time to get the miles the original offer is often gone. I should probably add columns for initial credit limit and revised limit, but I'm pretty good about reducing the limit (usually from $15,000 to $5000 or less) when I activate the cards.

I also keep a Quicken file for each card so I know what's outstanding and rarely have more than one personal and one business card in my wallet to avoid confusion, though if I'm working an AMEX card I'll have a MC/VISA as well as AMEX is more difficult to use.

I've discovered that most merchants are happy to split charges on as many cards as you want. I (my wife) recently bought a lot of furniture that took 10 weeks from the time of order to delivery. After paying the initial deposit, I called back every couple of weeks with a new card and charged an additional $750. I'm doing the same for a vacation next February.

As for the FICO score, I've never checked, though the credit limits my wife and I are being offered haven't gone down over time. I guess if I start getting rejected I'll look into the FICO scores for a reason.

Last edited by j3brooklyn; Nov 10, 08 at 8:58 pm Reason: additional info
j3brooklyn is offline  
Reply With Quote
Old Nov 10, 08, 9:13 pm
  #13  
Suspended
 
Join Date: Jul 2004
Location: MCI
Programs: AA EXP (1.5MM), Hilton/SPG/Marriott Gold
Posts: 2,337
Sounds like you are on the same plan as me, although my spreadhsheet includes these columns (Retention Miles, username/Password/URL)

And A table that shows me the last applied date +60 days, by card type. So I can see CitiAA Personal + 60 and know when to apply again.

Of course, I have a spreadsheet that only has about 40 cards on it, over 2-3 years....
ja_user is offline  
Reply With Quote
Old Nov 10, 08, 9:19 pm
  #14  
Original Poster
 
Join Date: Sep 2008
Location: NYC
Programs: AA PLT 2MM
Posts: 391
Retention miles

I've been indicating the Retention miles (or dollars) in the Bonus received column, but lately I've stopped looking for retention bonuses. I've been canceling all my cards by e-mail, as I really can't stand the "Retention" experience. I realize I'm forfeiting some miles, but I can't stand having that conversation once a week and my wife was really balking.

I skip a line between the cards that are active or applied for and then list the next 6 or so cards that I'm planning to apply for with the date to apply. I've considered linking it to my iCal so it sends an e-mail alert on the day, but I realized that I look at the spreadsheet every few days so it isn't necessary.

Last edited by j3brooklyn; Nov 10, 08 at 9:21 pm Reason: more info
j3brooklyn is offline  
Reply With Quote
Old Nov 10, 08, 9:23 pm
  #15  
 
Join Date: Jan 2005
Location: CLT
Programs: US CP, HH DIA, IC AMB
Posts: 324
Originally Posted by jpdx View Post
enabling us to call BS on your story. Welcome to FT, though!

Ouch!!!! Don't know who the "us would be" I think JDPX just has had a bad day.

Way to go!!!!!!!!!!!!!!!!!!
mikey110890 is offline  
Reply With Quote

Thread Tools
Search this Thread