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Money版 - My Apr Credit Card Churn
相关主题
barclays match offer用USAirways点数订UA票的小经验
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怎么样快速得到USAIRWAYS的ELITE?usairway每年送1万点的问题
申请Barclay Arrival Plus没有秒过,是不是就没戏啦?谁能提供一个Barchlay Usairways Reconsideration联系电话?
My January ChurnUS airway悲催悲剧,原因很奇怪
barclay和amex貌似真的不能churn了discover卡
申请US Airways被拒的,打reconsideration电话吧CO卡被further review还有救吗?
要付车保险了,用那个卡的cash back好啊Citi premier悲剧
相关话题的讨论汇总
话题: my话题: so话题: biz话题: cards话题: card
1 (共1页)
s**n
发帖数: 425
1
Sharing experience and tips here
Background: I did not apply for any credit card in 2012 due to refinance and
applied 9 cards in Jan 13, now it's time for another round of churn.
My thought process:
1) All banks except barclay (citi, amex, us bank, chase, Boa) pull experian
in my state. My strategy is to force them to pull other bureas using
freezing technique so that the credit impact is minimum.
2) I will also limit # of inquiries by having multiple applications with the
same bank during the same day
3) I want to limit the # of pernal accounts I open so that the drag on avg
account age is minimum. So I will go after business cards
Card selection:
Chase: I got Ink Bold, UA and BA in January. Will pass this time.
Amex: I got Platinum and Biz Gold in January. Thinking about SPG personal
and Biz. I also have a Biz Platinum with 50k points offer
Citi: I have 2 AA cards in January. I will apply for AA executive because I
want EQM to qualify for elite status (EXP). I will also apply for AA Biz.
US Bank: I got Cash+ in Jan. Need to wait 6 months.
Barclay: I got USAirway in Jan. Need to wait 6 months.
BoA: I will apply for Virgin Atlantic card. Not super excited about the
offer. But want to have my first card with BoA.
Approach:
I started with Citi cards because they are the one I want the most. Applied
AA Exec card on the phone (no online link for 50k offer) and was approved. I
was surprised Citi did not ask for my pin as my experian report is frozen.
Instead, Citi pulled my Equifax report. This is great news because nobody
pull EQ in my state. My AA Biz card was approved next day with another EQ
pull. I heard some people get 1 pull for 2 cards in 2 days. So this is YMMV
and I am not that lucky. But I couldn't care less about inquiries on EQ.
After citi, I applied the BoA card. It didn't go through as my experian is
frozen. I called the reconsideration line and convince the rep to pull TU
instead. I got the approval with a TU pull.
Lastly, I applied for 3 Amex cards. From my experience, Amex will not agree
to pull other bureaus in the reconsideration calls. I don't want to call 3
times for 3 cards. So I unfreeze my experian report for 7 days. Then
submitted 3 applications using 3 browsers. I got 1 instate approval and 2
pendings. But 2 pendings turned into approvals in several hours. So I am 3
for 3. The next day I checked my credit report and found all 3 EXP inquiries
were combined into one.
Results: 6 cards approved, 1 inquiry each for EXP, TU and 2 from EQ. This
should be minimum impact to my credit score. Only 3 of the 6 cards are
personal cards. So in a month, only 3 accounts will be posted to my credit
report. It sure be a very minor hit to my score.
Thoughts on July Churn:
By July, the January inquiries and new accounts will drop off in the past 6
months window. I will only have 1-2 inquires per bureau, and 3 new accounts
from April. I should be ready for another around of churn.
I don't plan to touch Citi and Amex unless there are amazing offers.
I will apply several cards from Barclay (USAir, NFL, and the new card with
40k points). All 3 TU inquiries should combined into one.
I will apply at least 1 card from Chase for sure, not sure about which one.
I want to apply for the 2 Club Carlson cards from US bank, but they have
rules about not wanting to see more than 2 new accounts in 6 months. I will
have 3. So this may be a problem. Any suggestions?
g********x
发帖数: 4671
2
好文章
不过你这么集中申请的话花钱压力会比较大吧
s**n
发帖数: 425
3
Vanilla reload, PayPal and AP are all I need. I will be extra careful with
biz cards through. Will not make CVS pUrchase using biz cards.0

【在 g********x 的大作中提到】
: 好文章
: 不过你这么集中申请的话花钱压力会比较大吧

P********g
发帖数: 41
4
高手
p******0
发帖数: 142
5
a**********1
发帖数: 2720
6
厉害啊,赞一个!
g*******1
发帖数: 7344
7
Mark

and
experian
the

【在 s**n 的大作中提到】
: Sharing experience and tips here
: Background: I did not apply for any credit card in 2012 due to refinance and
: applied 9 cards in Jan 13, now it's time for another round of churn.
: My thought process:
: 1) All banks except barclay (citi, amex, us bank, chase, Boa) pull experian
: in my state. My strategy is to force them to pull other bureas using
: freezing technique so that the credit impact is minimum.
: 2) I will also limit # of inquiries by having multiple applications with the
: same bank during the same day
: 3) I want to limit the # of pernal accounts I open so that the drag on avg

t****4
发帖数: 114
8
Mark
a****n
发帖数: 1954
9
赞,学习了
J*******g
发帖数: 747
10
mark
相关主题
barclay和amex貌似真的不能churn了用USAirways点数订UA票的小经验
申请US Airways被拒的,打reconsideration电话吧BARCLAY USAIRWAYS : 10% of your miles back
要付车保险了,用那个卡的cash back好啊usairway每年送1万点的问题
e***z
发帖数: 7126
11
请问巴克利每半年之能申请一个卡么?谢谢

and
experian
the

【在 s**n 的大作中提到】
: Sharing experience and tips here
: Background: I did not apply for any credit card in 2012 due to refinance and
: applied 9 cards in Jan 13, now it's time for another round of churn.
: My thought process:
: 1) All banks except barclay (citi, amex, us bank, chase, Boa) pull experian
: in my state. My strategy is to force them to pull other bureas using
: freezing technique so that the credit impact is minimum.
: 2) I will also limit # of inquiries by having multiple applications with the
: same bank during the same day
: 3) I want to limit the # of pernal accounts I open so that the drag on avg

s**n
发帖数: 425
12
I think you will need to wait for 6 months. But there will always be
exceptions. YMMV.

【在 e***z 的大作中提到】
: 请问巴克利每半年之能申请一个卡么?谢谢
:
: and
: experian
: the

R**********g
发帖数: 22734
13
赞,这是当事业做啊
L***H
发帖数: 117
14
Man, you are the Lu Ban. I won't play axe in front of you. Why are you
asking for suggestions? Should be the other way around.

and
experian
the

【在 s**n 的大作中提到】
: Sharing experience and tips here
: Background: I did not apply for any credit card in 2012 due to refinance and
: applied 9 cards in Jan 13, now it's time for another round of churn.
: My thought process:
: 1) All banks except barclay (citi, amex, us bank, chase, Boa) pull experian
: in my state. My strategy is to force them to pull other bureas using
: freezing technique so that the credit impact is minimum.
: 2) I will also limit # of inquiries by having multiple applications with the
: same bank during the same day
: 3) I want to limit the # of pernal accounts I open so that the drag on avg

n********9
发帖数: 2835
15
累,这是用生命申卡 啊
e***z
发帖数: 7126
16
thanks!

【在 s**n 的大作中提到】
: I think you will need to wait for 6 months. But there will always be
: exceptions. YMMV.

1 (共1页)
相关主题
Citi premier悲剧My January Churn
问个hard pull的问题barclay和amex貌似真的不能churn了
刚申了US AIRWAYS的卡,没给INSTANT APPROVAL申请US Airways被拒的,打reconsideration电话吧
上个月申的 AA AMEX ,今天又试了 AA master ,通过了。要付车保险了,用那个卡的cash back好啊
barclays match offer用USAirways点数订UA票的小经验
usairways pending后打电话过去BARCLAY USAIRWAYS : 10% of your miles back
怎么样快速得到USAIRWAYS的ELITE?usairway每年送1万点的问题
申请Barclay Arrival Plus没有秒过,是不是就没戏啦?谁能提供一个Barchlay Usairways Reconsideration联系电话?
相关话题的讨论汇总
话题: my话题: so话题: biz话题: cards话题: card