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  1. #1
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    Default First Application Spree of 2013

    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.
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  2. #2
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    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.
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  3. #3
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    Congrats. Sounds like you'll get a nice vacation out of this!

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Chase Sapphire Preferred: 2% travel
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  4. Centurion Member
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    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.
    March 2011- Wellsfargo Cash Back College Card
    May 2012- Chase Freedom
    May 2012- Discover IT
    August 2012- American Express Blue Cash Everyday
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  5. #5
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    Default

    Quote Originally Posted by 432521 View Post
    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.

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  6. #6
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    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.
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  7. #7
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    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.
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  8. Platinum Member
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    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.
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  9. #9
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    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.
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  10. #10
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    Just make sure you keep an eye on your credit score through all of this.
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