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-   -   Help with my next churn (https://www.flyertalk.com/forum/milesbuzz/1307585-help-my-next-churn.html)

smedleyb Jan 31, 2012 7:39 am


Originally Posted by ohnodapopo (Post 17917689)
I guess that was the real crux of my question -- is one better off waiting for more desirable offerings or just pulling the trigger on whatever is available? (eg getting this 40k US Airways offer now would preclude me from getting the same card soon if the value goes up to say 75k)

Do you have just one AA card? Last I checked there are 3 -- Visa, Amex (but still Citi), and Mastercard -- heck, it's 4 with the business card. All of them are pretty good, 40-50K points, some statement credits, admiral passes, etc. If you got one, go after the others. For me, Citi and Chase pull reports from separate agencies, if that helps.

I too feel like I'm in holding pattern, ready to pounce on any grand offers lurking around the corner. But there are still some decent deals to be had. Doing less to nothing is always a viable option too. Like Rick at FTG likes to say, this game is a marathon, not a sprint. :D

ohnodapopo Jan 31, 2012 2:25 pm

I only have the one citi AA card. I didnt know about this site when I applied for a single card thereby killing my chances of the others. Also, I tried twice for the citi AA business card to no avail. You live and you learn.

CatJo Feb 1, 2012 11:33 am


Originally Posted by onefasteuro (Post 17918967)
Just as an FYI, us airways pulled all 3 bureaus for me...

Wow strange; Barclays only pulled from TransUnion for me (I'm in CT). This is pretty unusual, don't think anyone has reported Barclays as pulling all 3 bureaus?

clevername Feb 1, 2012 8:51 pm


Originally Posted by CatJo (Post 17930738)
Wow strange; Barclays only pulled from TransUnion for me (I'm in CT). This is pretty unusual, don't think anyone has reported Barclays as pulling all 3 bureaus?

Applied for US Biz & Pers cards cards in June '11, they pulled TU and denied both. Called recon line and they pulled EX & EQ....and I didnt get either card.

civico Feb 2, 2012 1:30 am

Maybe time for hotel cards
 
Like you, I also prefer airline miles over hotel points but it seems like now might be the optimal time for you to build up your hotel points stash. You have all the major airline cards that are out there right now and you can't get any Chase.

I'd throw in the USAirways card for sure, seeing as it is reported to be churnable and you should get a "free" pull since MOST people have it pulling TU. Then, if it goes up later to a higher sign up, you can hope to get it again if it is still churnable.

Then, I'dd add in the Virgin 50k (100k Hilton) or the two Hawaiian Airlines cards (35 k or 70k Hilton each). Only downside is that none of them have waived annual fees ($99 for Virgin, $79/each for HA).

This is assuming that your credit has recovered since last time and you are itching for another app-o-rama. Can't hurt to add 250k Hilton points and 40k USAirways.

BOShappyflyer Feb 2, 2012 8:42 am

I'm cooling down with the apps since I got my first denial for too many inquiries recently. ;) I could probably take a few hits with transunion, but not with Experian. It seems like every Massachusetts credit issuers pulls Experian.

I used the search tool, but it seems to be that most barclay (us air) pulls from transunion. Can anyone (from MA) who recently applied for it confirm? I may go for the Virgin Atlantic (even with the annual fee), but that's through Amex. I can't take any more hits on my Experian, so I'll probably wait a couple of months and then re-evaluate what cards I want in my wallet at that time.

84fiero Feb 2, 2012 9:16 am


Originally Posted by BOShappyflyer (Post 17937348)
I'm cooling down with the apps since I got my first denial for too many inquiries recently. ;) I could probably take a few hits with transunion, but not with Experian. It seems like every Massachusetts credit issuers pulls Experian.

I used the search tool, but it seems to be that most barclay (us air) pulls from transunion. Can anyone (from MA) who recently applied for it confirm? I may go for the Virgin Atlantic (even with the annual fee), but that's through Amex. I can't take any more hits on my Experian, so I'll probably wait a couple of months and then re-evaluate what cards I want in my wallet at that time.

The Virgin card is AMEX branded (uses their network) but it's issued by Bank of America rather than American Express, so depending which credit bureau BoA uses in MA you might be OK.


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