1. jammer9050 says:

    Pulled off an AoR on 1/6 and got the following cards:

    US Barclays (#2)
    Citi AA Biz – 50k w/$3k spend in 4 months
    Citi Hilton – (approved for one, denied one even though I used 2 browser trick, what went wrong???) – 50k w/$1,500 spend in 6 months
    BoA Hawaiian – (converting to) 70k hilton w/$1k in 4 months, $79 annual fee
    BoH Hawaiian – same, $79 annual fee
    Amex Hilton Hhonors – 50k w/$750 in 3 months
    Chase Marriott – 50k points and 1 free night (in cat 1-4) w/$1k in 3 months (not sure why I did this one except that I was concentrating on hotel points and didn’t have a chase card in this AoR, they made me cancel my United explorer despite the fact that I only had 4 cards w/them, although all gotten w/in the past year)

    Total fees – $158
    Total haul – 50k AA points, 40k US Air, 240k Hilton, 50k marriott and 1 free night (cat 1-4)
    Denied – 2nd Citi Hilton (this one sticks in my craw)
    Total Spend – $8,250 w/various time limits up to 6 months, very very doable, in fact I have room for at least 1 or 2 more cards

    Thoughts on this AoR or any further cards that I should apply for?

    • @jammer9050- First off, I’d say CONGRATULATIONS and good job! That’s quite a nice AoR. You were able to rack up a ton of Hilton points, some nice miles with AA and USAirways (never hurts to have miles in good airlines) and also tag on a night or two at a Marriott. And all for only $158 in fees!

      I’m not sure why you were denied the second Citi Hilton. Have you called them up yet and tried to plead your case? Did you get instant approval for the first one? It might be hard to get them to give you the second, but…it’s worth a try.

      The only thing I may have done different was go for the Chase Hyatt card instead of the Marriott, but that’s just a personal preference. You’d have had to pay the annual fee of $79 but would have gotten 2 free nights at any Hyatt, which means you could really spoil yourself. That being said, I also have the Marriott and haven’t gotten the Hyatt before, so…you can’t really go wrong with choosing one or the other!

      Again, congrats and great job! When your next AoR comes around, be sure to shoot me a message and we can put together something that works best for you.

      • jammer9050 says:


        The only reason I went for Marriott instead of Hyatt was bcs of the annual fee, I HATE paying anything for these cards. But seeing the cat 1-4 Marriott hotels, I almost wish I’d gotten the Hyatt instead…

        As for Citi, I tried to call them, they wouldn’t entertain any of my pleading. They said I applied for 2 cards and they couldn’t do anything about it, the computer automatically locks out their ability to approve it. I read somewhere, I think on millionmilesecrets, that sending a letter to their executive headquarters was the best way to try to get reconsidered. I sent them a letter and I’ve received a rejection letter since, although I don’t know if that’s the original rejection letter or a rejection letter from my letter, since I received a rejection letter from Chase for my Marriott even though they later approved me. Only time will tell I guess.

        I think I only have one more AoR left in the near future, I’m formulating a plan to buy an apartment within the next 2 years or so, although I live in NYC and they’re insanely expensive so who knows, but I want to give myself the option at least. We’ll talk in March/April, which is when I’ll be doing my next AoR.

        • @jammer9050- Yeah, the best way to attack Citi if they deny you on the phone is a letter, which I talk about in this post. However, they will often still deny you. They can be a tough nut to crack! At this point, just wait it out and see if that is the original denial letter and then maybe you’ll get a surprise in a week or two and get the card in the mail!

          Good luck in buying an apt. in NYC. Let’s hope you can find yourself a deal…pricey, pricey place!

  2. Still thinking about if we want more credit cards. We are not big spenders and go on a months-long trip abroad during the summer. Do not want to accumulate foreign transaction fees. Getting more avios is a consideration, as we want to fly to S. America and Hawaii from the West Coast. We have to do some more reading.
    Thanks for all your information

    • @Karin- No problem. Chase is pretty good with not having foreign transaction fees on most of their cards, so make sure to take a look at them and see which works best for you. If you’ve got questions, let me know!

  3. How many inquiries did you get for this aor?

    • @Mark- As far as I know, I had 1 for each card with the exception of the Barclays Frontier, which pulled all 3 credit bureaus. So that would make it 9 inquiries. I’m still waiting to see if the Citi cards combined in to one inquiry though.

  4. Hi, is it possible to have Credit Cards from USA if your living in Europa?

    • @Mike- If you are an American citizen living in Europe, then yes, it is possible for you to get US credit cards. If you are a European living in Europe, then no, you wouldn’t be able to get US credit cards. You need to be an American citizen or be working in the US or have some sort of ties here to get US credit cards.

  5. My planned AoR was strikingly similar to yours. I also am targeting Hilton points, though I am not quite sure what are the two Citi Hilton cards that you can do with the 2-browser trick – I only see the Visa Signature and the Reserve card. I just read that Hilton cards are dropping there 6x on drugstores, which was my plan for Vanilla Reloads, so now the Ink card (while an extra step) is my way of getting multiple bonus points for Vanilla Reloads (or maybe I will just forget Vanilla all together and use the gift cards straight away). Also, I wanted to start building a stockpile of Avios points, as I currently have none, but I am already at my Chase credit limit and am planning on getting the Ink, so it might be a difficult sell to open two new cards and shuffle around my debt limits.

    So far, my AoR looks like this:

    *Barclay USAir [40k : 0] – this will be my 2nd time getting this card
    *Citi AA Business [50k : 3k/4mo]- I already have the Amex and the personal visa, so this nicely round out my AA miles account
    *Hawaiian Air BoA [35k : 1k/4mo] – to convert to 70k Hilton ($79 fee)
    *Hawaiian Air BoH [35k: 1k/4mo] – to convert to 70k Hilton ($79 fee)
    *Hilton AmEx [50k : 750/3mo] – no fee, which is nice
    *Citi Hilton [50k : 1.5k/6mo] x2
    *Delta Gold AmEx [30k : 500/3mo] – I have a few delta points and wouldn’t mind adding to it, though I know there have been short-lived deals of 70k signup miles and there is a Skymiles restructuring soon taking place, so I am not sure if this is worth including in my AoR now.
    *Ink [50k : 5k/3mo] – is it better to get the bold vs the plus? I figure I will use this to get gift cards, like you, though can gift cards be used to pay bills or rent similar to the Bluebird, or are they only usable for merchants that already take credit cards?

    Total: 460k
    Spend: 14.25k, but only 3.25k of everyday spending when factoring out gift cards and Amazon payments

    I would love to know your thoughts.

    • @Mark- Looks like a pretty full and complete AoR to me!

      Here are some of my thoughts to your questions:

      1. The Citi Hilton card that I did the two browser trick with was the Citi Hilton Hhonors card, also called the Visa Signature. It was a choice between that or the Reserve, and I opted for the “regular” Visa signature card because I didn’t want to pay the fees.

      2. You could possibly go for the Avios card since it is a Chase personal and the Ink card you are opening up is a business. As you said, you might have to shuffle around some credit limits from your other cards, but if you don’t mind doing that, then going for the BA card isn’t a bad call. Or, is there a Chase personal card you want to close? Then you can kill two birds with one stone.

      3. I’ve never spent any time earning Delta miles, so my initial reaction to the 30k deal would be “eh, not worth it.” But for you, if you Delta miles already and want to top them off, it’s not a bad strategy. It’s really a personal preference of whether you want to wait around for another 70k deal to pop up at some point or if you just want to get the Delta miles now and use them sometime soon.

      4. It doesn’t really matter which Ink card you get since they are the same except that one is a charge card (Bold) and one is a credit card (Plus). My only suggestion would be that if you want to get both of them eventually, to get the Bold first. I’d do that because A) the Bold has been around longer, so if one is potentially going to be done away with (which I don’t think they will, but still), then they’d probably close the Bold first and B)I feel like its an easier case to call up and say you want a credit card (the Plus) in addition to a charge card (the Bold) then it is to do it the other way around. That way, if you already have the Bold and they ask you why you want the Plus, you can simply say because you want the flexibility of a credit card as well.

      5. Lastly, as far as Vanilla Reloads go, it looks like they are getting harder and harder to find and be able to buy with credit cards or gift cards. I’d take advantage of it while you can, but like you said, if it does go away, not all hope is lost. You can still do the easy route and just go straight gift cards with the Ink card and get 5x.

      Awesome job! Let us know how it goes.

      • That’s a really great point about the Bold! I also did not know they (ie Chase) separate personal and business when applying for multiple lines of credit. Since there is no card I would like to close just yet, I will have to move some credit around. Also, I just noticed Ken’s comment applies to me too (I have 3 Citi apps in the same AoR), so I will have to delay the Citi AA Business card for now. One last follow up on gift cards before I go ahead with this AoR: From my (limited) understanding, they function like credit cards, so merchants who don’t accept credit cards would also not accept gift cards as a form of payment. How do you use them to pay off rent, loans, bills, etc?

        Thanks for the support on this Trav! I’ll be sure to post when it’s completed.

        • @Mark- As far as I know, if a place won’t accept credit cards they won’t accept gift cards. However, the Visa gift cards that I get do say “debit” on them, so they technically should be treated as debit cards. Therefore, it is possible that a place would accept gift cards and not credit cards, but I’ve never seen it.

          Interestingly enough, I have seen it where a place accepts credit cards but NOT gift cards. At this point, I think the best bet is to find a local place that accepts what you are trying to use, and then just continue to frequent it. Of course, making nice with the cashier can’t hurt.

  6. Citi only allows 2 apps in 60-65 days, so the 3rd app was automatically rejected. Nothing you can do except send a letter to Citi Exec and cross your fingers.

    • @Ken- You’re right, Citi does only allow 2 apps in that timeframe. I totally didn’t see that he had applied for the Citi business card as well. Good catch, thanks for the heads up!

      • jammer9050 says:

        Oh ok, that makes sense, I thought that Citi biz was completely different than personal, didn’t realize that one affected the other. Thanks for the catch Ken.

  7. Just curious but you said you had Chase cancel one of your Ink Bold cards from the past and that they just transferred the old credit from that card to your new Ink Bold that you applied for. Didnt they ask you why you are closing your old Ink Bold to just get a new one? It just sounds odd that they would do that. Please let us know what they said. thanks

    • @Brett- I’d be happy to explain. I had two Chase Ink Bold cards, one from pre-Nov. 2011 and one from after that. Chase rebranded the Ink Bold card in Nov. 2011 and so they allowed people who had one from before to get a new one. Therefore, I got to take advantage of it and get 2 Chase Ink Bold cards.

      However, the “old” Ink Bold didn’t have any value of me, so I was planning on closing it when the year anniversary came up in Nov. 2012. However, I decided to wait to close it until I applied for the Chase Ink PLUS, which is a completely different card. Then, when I got denied the Chase Ink Plus because I had enough credit with Chase, I simply called them up and asked that they move the credit line from the “old” Ink Bold to the Ink Plus and close the Ink Bold.

      Since the Ink Plus and the “old” Ink Bold are different cards, with different perks, they were happy to do so.

      Even if you have a new Ink Bold and want an Ink Plus, you could tell them that you wanted a credit card (Ink Plus) in addition to a charge card (Ink Bold) and they will let you open the second one.

  8. I just completed my first app o rama. Let me know how I did:

    B of A Hawaiian Airlines: 35k miles
    Citicards AMEX American Airlines: 25k miles
    Citicards VISA American Airlines: 30k miles
    AMEX Delta Personal: 30k miles
    AMEX Starwood Business: 25k starwood points
    Chase United: 35k miles
    Chase Ink Bold Business: 50k Ultimate Reward Points
    Chase Sapphire: 40k Ultimate Reward Points
    Capital One Venture: 10k miles

    Total take: 165k airline miles, 25k starwood points and 90k ultimate reward points = 280k miles & points.
    Total Fees up front: $79 for B of A Hawaiian Airlines card

    I already had 450k hilton points banked and I’m glad I didnt go that route due to the recent devaluation. The only snag I hit was that I initially applied for 5 chase cards on one day…rookie mistake as I didnt know the drill. I was only allowed to get one non-business card at first so I chose the united card as I had a flight coming up and wanted the free checked bag. 3 weeks later I called the reconsideration line and had them split my 20k limit into the United card and the Sapphire card.

    Overall I’m thrilled with my take but my credit score on credit karma has plunged from 780 to 718 as I quickly ran up these accounts to hit the minimum spends, which I will pay off shortly. I’m a little concerned on the long term hit this could have on my credit but everything I read said my credit would be ok.

    Curious your thoughts on my take and if I should be concerned about my credit long term.


    • @Steve – How did you get 3 Chase cards at once, and how did you get two AAdvantage cards now that the 2-Browser trick is dead? 9 cards is quite a haul!

      • Steve Piekara says:

        @ Ken – As I stated in my initial post I was truly a rookie on my first App o rama and didnt really look into getting the best bonuses as opposed to just maximizing my points initially. Dumb looking back on it, but I know now how to operate.

        The app o rama was done probably about a month and a week or so ago initially but I just finished it as I just received my Chase Sapphire Preferred in the mail yesterday. I applied for 5 united cards on one day not realizing I could really only get one per bank. The cards I applied for were the United card, Marriott, Hyatt, Sapphire, and Ink Bold. I was rejected for pretty much all of the cards. I received rejection letters for all 4 personal cards saying that I applied for too many in one day. The business letter told me to call to verify my business info. I called the business line and was approved no problem for the Ink Bold even though I dont have a business. I said I travel a lot and want to put all my “business” expenses on one card. I then called the personal line and they told me I could choose one card but I could call back in 30 days and maybe get another card. I chose the United card as my wife and I were flying three weeks from the date of the app o rama and I wanted to get the free checked bag. I was able to get the free checked bag both ways even though I booked my flight on an old credit card. I did check in with my United credit card though.

        Last week, less than a month after my initial app o rama, I called the Chase personal line and explained that I was originally rejected for the Chase Sapphire card because I made a mistake and opened too many cards at once. She said they would open the account if I could split my United credit limit in half which I happily agreed to. I was surprised that she stated that I already had a business account with them as I didnt think she had access to them.

        In regards to your comment about the AAdvantage cards, I did the two brower trick yet it was about a month or so ago.

    • @Steve- Wow, I’m really surprised you were able to get 3 Chase cards (including 2 personal) on the same day. That’s a nice haul.

      A few questions/thoughts:

      1. Why did you decide to go with the 25k AA Amex and 30k AA Visa? There are offers out there for 50k Citi/AA Visa and at least 30k Citi/AA Amex. Still not bad, just wondering.

      2. I would recommend asking for a bump up to 55k United miles. Check out this post for how to do it (scroll about halfway down).

      3. Noticed you want for the SPG business and not personal card. Are you planning on getting the personal one later?

      4. Personally, I wouldn’t have went for the Cap 1 card and only 10k signup, but I’m not much of a fan of Cap 1 points.

      Overall, I’d say you did a good job. Lots of points in a variety of airlines. A nice chunk with United and AA. Where do you plan on going next?

      As for your credit, just continue to monitor it. That is a lot of new credit at once, so make sure you don’t apply for anything else until it jumps back up to a level you are comfortable with.

      Congrats, and if you ever have any questions, let me know!

      • @ Trav –

        1. At the time that was the best offer. My app o rama was officially a month or so ago and that was what was being offered. I just completed it yesterday technically when I received my Chase Sapphire Preferred. See my previous comment to Ken.

        2. Thanks for the United info. Very helpful.

        3. I already had the SPG Personal and it was a primary card of mine besides the Hilton AMEX (non Surpass). Since my app o rama I havent used the SPG card as I had to hit all of the minimum spends. Plus my annual fee is coming up and I want to see if they will give me a credit. Last year they gave me a $50 statement credit which offest some of it so I kept the card and continued to use it.

        4. Why are you not a fan of cap one points? 2% back isnt bad on everything. Curious to know what you prefer as your primary card. Also what are your thoughts on Hilton now due to the devaluation?

        No flights planned yet as we have a one year old baby at home. We took him to Scottsdale a few weeks ago, but it messed his schedule up and we are still getting him back on track. Still worth traveling, but we cant do anything crazy. It stinks cause we have a ton of great miles/hotel points now and dont feel comfortable leaving without him yet. Our goal is to visit every US State and we are only on #28. Odds are our vacations will be driving trips as we still have a few states close by we can hit with a road trip!

        Great post and keep up the good work!

        Another rookie mistake I made was stocking up without a real “plan” to use these points. I never thought these companies devalue points so often (hilton recently and SPG) and now I feel like I kind of pissed away a good opportunity. We are in the NJ area so any advice on cool Hilton/SPG properties for a quick weekend getaway would be appreciated! OC MD has a great hilton property that we hit for 4 nights using AXON7. 145k points is worth it but I still have to book another 250k by March 28th before the devaluation!

        • @Steve- I guess I’ve just never given Cap1 points a chance. 2% isn’t bad, but what I prefer to do is either earn Chase points or SPG points and then use them for trips that would cost a lot of money, such as long international trips with stopovers or open jaws. Also, I prefer to travel one-way a lot of times, and the price to buy tickets one-way is super expensive. However, with United or AA, you can book one-way for half the number of a roundtrip ticket. Cap1 points wouldn’t be good for this option because they are tied to the actual price of the ticket.

          As far as Hilton and the devaluation, well, my response is that if you want to take a trip to a top end property, book it before March 28th. It’s not so bad for the midrange properties, but I definitely consider Hilton points the least valuable hotel points out there (but they are the easiest to earn, so it does balance out somewhat).

          Having a 1 year old would be tough to travel with…but remember, you can always use your points to book travel for other people. If you can’t use them all, maybe you can book special trips for friends or family to come see you! Just something to keep in mind.

      • No luck on the banner ad but I will definitely send them an email! Thanks for the United help.

        • One more thing, all of the points have been funded except for the Sapphire Preferred as I just received the card and SPG still owes me 15k points as I just hit the $5k spend last week.

  9. Thanks for your tip regarding the United bonus! I asked for an extra 20k to bring my total bonus up from 35k (30 +5k for the additional card). They wrote back in less than 2 days and will be crediting my next statement. They didnt address the 10k bonus miles after spending 10k, but I’m not going to push it. Thanks Trav!

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