First Application Spree of 2013

**djrez4** · Jan 28, 13, 6:51 pm

Today's haul -

Approved -

Citi Hilton HHonors Visa Signature - $10,000 - 50k HHonors points, $1,000 spend in 4 months;
Citi Hilton HHonors Reserve - $10,000 - 2 free weekend nights, $2,500 spend in 6 months;
Barclays US Airways Dividend Miles - $6,000 - 40k US Airways miles on first purchase;
Amex SPG - $2,000 - 10k SPG points + 15k SPG points, $5,000 in 6 months.

Denied -

Amex SPG Business

Amex likes me for $2,000 on every personal card and doesn't like me on the business side. Citi loves me. I'm going to send more applications their way. I feel a pair of AAdvantage cards coming next quarter.

**Sevenfeet** · Jan 28, 13, 8:33 pm

Nice work. Waiting for my last CLI to hit my report in a week to go for the next cards.

I've noticed that Equifax thinks my "Amount of New Credit" profile contributing to my score is marked as "poor". Although I did two new installment loans in 2011 (one paid, another a card loan), my last credit card (that wasn't my wife's) was in 2005. So I guess I'm due.

**RewardHop** · Jan 28, 13, 8:50 pm

Congrats. Sounds like you'll get a nice vacation out of this!

**432521** · Jan 28, 13, 9:08 pm

Congrats, I do have one question though. Why is it that you decided to get so many cards, as you can see in my sig I have 4 cards and that will be more than I will ever need. The only thing I will do in the future is either get CLI's or cancel my older cards and get ones with better perks and higher limits.

**kcarter609** · Jan 28, 13, 9:12 pm

Originally Posted by 432521

Congrats, I do have one question though. Why is it that you decided to get so many cards, as you can see in my sig I have 4 cards and that will be more than I will ever need. The only thing I will do in the future is either get CLI's or cancel my older cards and get ones with better perks and higher limits.

Looks to me like it was for the rewards.

**paparoach429** · Jan 28, 13, 11:18 pm

Even with the rewards, dont those cards have annual fees? Granted it might take a couple years for the fees to outweigh the free flights and such but still.

**djrez4** · Jan 29, 13, 4:21 am

All of the fees are deferred for a year except the Reserve card. $75 for two weekend nights in any Hilton was a no-brainer for me.

**Fartanywherecard** · Jan 29, 13, 9:08 am

Awesome. I'm curious to see the impact on your FICO as this no doubt significantly alters the average age of your accounts and it's a lot of inquiries. Just out of curiosity, of course.

**djrez4** · Jan 29, 13, 10:03 am

Barclays has already reported to Experian somehow. I'll pull a FICO once they all report and see what happens. This should drive my AAoA down under two years, which is a bucket point.

I plan to cancel the Amex Gold. The SPG will actually report older than the Gold by 6 months. That may help.

Next round will be 6 months out. I wanted to do a double-AAdvantage app, but it appears that Citi has wised up to the two-browser trick and 2 x AAdvantage is no longer an option. I have my eyes on the two Hawaiian cards, a second try at the SPG Business, maybe an upgrade to the Hilton Surpass, and an Ink Plus if the spend is still $5k.

Long term, Freedom, either Bold or CSP, SPG, Hilton Amex, Costco, REI, and Discover are sticking around. The rest are disposable. It'll cost me $158 a year to keep them.

**Dman316** · Apr 2, 13, 10:08 am

Just make sure you keep an eye on your credit score through all of this.

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First Application Spree of 2013