MyCardBlog

Today I received another friend’s detailed App-O-Rama (AOR) result. He agreed to let me show his AOR result and preparation process at MyCardBlog.Com. I’d like to give you guys more experience about AOR, and maybe you can play AOR by yourself in the near future.

Goal

To maximize earnings from credit card sign-up bonus and some great BT offers to earn interests from high rate saving accounts.

Pre-AOR Preparation

1. Do soft credit limit increase (Don’t hit hard pulls!)
2. Made small purchases on oldest cards to discourage issuers from closing them.
3. Paid off all the balances on the cards.
4. Write down all the cards that I would apply for.

Credit Scores as from Credit Secure from American Express

• Experian: 762 (4 inquiries but only 1 is from 2007)
• TransUnion: 778 (0 inquiries-bumped off)
• Equifax: 778 (0 inquiries-bumped off)

Current Acocunts:

• Citi Driver’s Edge Card, $12K, Dec. 06
• Discover Card, $15K, Dec. 99
• Citi Dividend Platinum, $12K, Oct. 98
• Chase Platinum, $10K, July, 02
• Sears Citi Card, $6K, Jan, 06
• AMEX Blue Cash, $12K, May, 03

Age: 29, HHI: 100K, Number of Active Accounts: 6 (no mortgage, auto loans, some closed credit card accounts)

AOR Result

• Citi Professional Card with ThankYou Network–Approved, $5K CL
• Citi Business Card with ThankYou Network—–Approved, $15k CL
• Citi Amex Platinum—————————–Denied
• Citi AAdvantage Card—————————Deferred/Approved, $3K CL
• Citi PremierPass Elite Level———————Denied
• Chase Professional (offer by mail)—————-Approved, $6K CL
• Chase Freedom Visa—————————-Approved, $8K CL
• AMEX Preferred Rewards Gold Card————Approved, $5K CL
• AMEX In Chicago——————————-Approved, $5K CL
• AMEX Starwood Business Card—————–Approved, $10K CL
• Discover Miles Card—————————–Deferred/Approved, $6K CL
• Advanta Business Card————————–Approved, $10K CL

Total earnings should be around $1000 + interests from bank (100 points=$1, 100 miles=$1).