To be brief, the App-O-Rama (AOR) is a credit card application strategy—submitting many credit card applications in a very short time. And then enjoy the sign-up bonuses, free hotel stays and mileage bonus. At the same time, you can also get the 0% Apr promotion offers from the major credit card issuers by choosing right cards. After transferring the credit lines to your personal bank accounts, you can earn interests. The trick here is the credit card companies won’t report the inquiries immediately after your submissions. So when you apply for credit cards all at a very short time, the card issuers won’t see the inquiries from each others. In this way, you have more chance to get the credit card. You should have to remember four things: find the right cards; have a good credit history; have high credit limits on other cards; prepare to see the consequences from AOR. There is a website help you find the right cards for you and teach you how to get the bonus—www.app-o-rama.com.

It’s also interesting to see the report from the Wall Street Journal. The credit card issuers have noticed this problem. Them are beginning to put higher transfer fees on your balance transfer. The End of Profit from AOR is coming!

I think I should mention that try to use business cards for your AOR! Main reason is: the business card is hidden from you personal credit report! Your credit score cas stay higher adn you can still get good offers from major credit companies even after AOR. And usually business cards offers better 0 Apr promotions and have higher credit limits (business needs money). Please pay attention on Advanta which is a good business card issuer.