Rate My Churn!
Sep 23, 2011, 9:03 am
#16
Join Date: May 2011
Programs: As many as I can!
Posts: 344
But it gets harder after the 8th or 9th card. I still get them approved though, but can read between the lines and will not push them to hard.
Sep 23, 2011, 9:11 am
#17
Join Date: Sep 2009
Posts: 1,758
Going to have to disagree with you once again. The data points I see it does not matter how many cards you have or had in the past. If you have too many cards you just offer to close one when calling for the reconsideration. They are in a very giving mood these days.
Sep 23, 2011, 10:05 am
#19
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Sep 23, 2011, 9:34 pm
#20
Join Date: Feb 2011
Programs: All of them
Posts: 214
Sep 25, 2011, 12:28 am
#23
Join Date: Dec 2010
Posts: 1,860
I had a very similar "spree" such as yourself and I want in to "too many inquiries" being a concern.
2x AA
Onepass
PC Club Visa
Denied Southwest 50k, Hyatt 62,500, Airtran card, Delta Amex, SPG 30K.
I have decided to put all credit inquiries on hold until my inquiries drop. I should have 1-2 dropping off in the next month.
2x AA
Onepass
PC Club Visa
Denied Southwest 50k, Hyatt 62,500, Airtran card, Delta Amex, SPG 30K.
I have decided to put all credit inquiries on hold until my inquiries drop. I should have 1-2 dropping off in the next month.
Oct 2, 2011, 10:00 pm
#26
Join Date: Jul 2011
Location: CA
Posts: 108
How did you apply SWA 50k card? by online or phone call?
Oct 3, 2011, 6:42 pm
#28
Original Poster
Join Date: Jul 2011
Programs: BAEC, A*A, SW RR
Posts: 199
Applied online with phone reconsideration. Said I had too many recent inquiries and a history of less than full pays (I got an 18 month 0% transfer offer from another chase card about 6 months ago, and don't plan on paying it off)
Oct 3, 2011, 9:18 pm
#29
Join Date: Jan 2011
Programs: Amex Platinum, SPG Gold, Priority Club Gold, Emerald Club Executive
Posts: 226
I have learned so much this summer. Let me be more specific:
BA 5/8 100k
AA Citi Visa 7/15 75k
AA Citi Amex 7/15 75k (still working on the spend)
Amex PRG 7/21 75k (have SM promising to bump the bonus)
US Air MC 7/25 40k
Along with those, I was denied for a Chase Southwest BUSINESS Visa (along with the 50k miles) that I applied for on 7/12. So what's next? As of right now:
AA Citi Business 75k
Chase Sapphire 50k
Amex SPG 25k
The only other truly viable options seem like hotel cards (Hyatt, Hilton), but I don't see myself going to Paris, Tokyo, or the Maldives in the next few years, so I know I can't get maximum value from the Hyatt, and the Hilton miles just don't seem very valuable when I can use AA miles to stay at hotels (or Chase UR points, or SPG points/points+cash).
I'm really interested in hearing the FT opinions about my plans. I'm going to wait until next month (90 days from last application) to do my next round, even though I could apply for AA Citi Business today, because I feel like I should do all apps on the same day, and I don't want to do my churn before hearing about the offer Ingersoll has been discussing that is coming out on his birthday.
I guess my real reason for posting is to hear if I'm overlooking anything, or hopefully, get some nods of approval. Everything I've learned about this great game, I've learned here, so it felt only right to ask you guys if you think I'm going about this the right way.
On the awesome side, my girlfriend and I are going to Toronto, where I have always wanted to go, next month. Roundtrip flights and 3 nights at a decent looking hotel were only ~80k AA points. Amazing. Looking forward to going to Brazil next summer with the GF for 80k BA points as well.
THANKS EVERYBODY!!
BA 5/8 100k
AA Citi Visa 7/15 75k
AA Citi Amex 7/15 75k (still working on the spend)
Amex PRG 7/21 75k (have SM promising to bump the bonus)
US Air MC 7/25 40k
Along with those, I was denied for a Chase Southwest BUSINESS Visa (along with the 50k miles) that I applied for on 7/12. So what's next? As of right now:
AA Citi Business 75k
Chase Sapphire 50k
Amex SPG 25k
The only other truly viable options seem like hotel cards (Hyatt, Hilton), but I don't see myself going to Paris, Tokyo, or the Maldives in the next few years, so I know I can't get maximum value from the Hyatt, and the Hilton miles just don't seem very valuable when I can use AA miles to stay at hotels (or Chase UR points, or SPG points/points+cash).
I'm really interested in hearing the FT opinions about my plans. I'm going to wait until next month (90 days from last application) to do my next round, even though I could apply for AA Citi Business today, because I feel like I should do all apps on the same day, and I don't want to do my churn before hearing about the offer Ingersoll has been discussing that is coming out on his birthday.
I guess my real reason for posting is to hear if I'm overlooking anything, or hopefully, get some nods of approval. Everything I've learned about this great game, I've learned here, so it felt only right to ask you guys if you think I'm going about this the right way.
On the awesome side, my girlfriend and I are going to Toronto, where I have always wanted to go, next month. Roundtrip flights and 3 nights at a decent looking hotel were only ~80k AA points. Amazing. Looking forward to going to Brazil next summer with the GF for 80k BA points as well.
THANKS EVERYBODY!!
Looking good, MSYnola! I hope you have a good time with your girlfriend in Toronto!
You might also consider the 50K Chase Ink Business Bold.
Oct 5, 2011, 2:25 pm
#30
Join Date: Jul 2003
Location: Boston, MA
Programs: AA Lifetime Plat
Posts: 205
Some people have said that opening and closing a lot of cards in a short period can negatively affect your credit score.
However if the score always remains above 700- then it makes no difference to anybody looking at it.
However if the score always remains above 700- then it makes no difference to anybody looking at it.