MyCardBlog

Sam is a subscriber of mycardblog.com. He just finished an AOR (App-O-Rama) and wanted to share his results with mycardblog.com readers. He sent an email to me and listed all the credit cards that he applied for within one day. He told me that he was inspired by my post “MyCardBlog Reader Daren’s AOR Result”.

I believe the AOR trick is pretty easy to mycardblog.com readers. I have some posts about how to perform an AOR and what you should know about AOR. (App-O-Rama, App-O-Rama: Profiting from Credit) You must remember that the most important thing to do before an AOR is to pretty up your credit scores to present the most attractive picture to potential creditors. And you must reduce your accounts at a single credit issuer if you have many accounts there. You chances to get approved by a credit card issuer is significantly increased if you submit your applications in a short time period.

Sam’s case:

Inquiries within last 12 months: TU = 1, EX = 1, EQ = 0
Inquiries within last 24 months: TU = 21, EX =9, EQ = 5

HHI: $225K (Includes investment income and wife’s income)

Chase Flexible Rewards 9,000 CL
Citi Mastercard 3,000 CL
Citi Diamond Preferred 16,000 CL
Discover More 8,000 CL
HSBC GM Flexible Earnings 6,500 CL
BOA Financial Rewards Visa 21,000 CL
WAMU ESPN Total Access 21,000 CL
GE Money Cash Rewards Card 15,000 CL
AMEX True Earnings (Costco) 23,000 CL
AMEX Hilton Honors 22,000 CL

AOR Result

• Chase Freedom Visa Card—————————Approved, 16,000 CL
• Chase United Mileage Visa Card——Approved, 8,600 CL
• AMEX Preferred Rewards Gold Card————Declined
• The Gold Card from American Express OPEN———Approved, 13,000 CL
• AMEX In Chicago——————————-Declined
• One from American Express——————Declined
• Gold Delta SkyMiles Card——————Declined
• AMEX Starwood Preferred Guest Card—————–Approved, 7,000 CL
• AMEX Starwood Preferred Guest Business Card—————Approved, 10,000 CL
• Discover Business Card———Approved, 10,000 CL
• Citi Business Card with ThankYou Network—–Approved, 12,000 CL
• Citi Platinum Select AAdvantage World MasterCard———-Declined
• Citi Professional Card with ThankYou Network–——Declined
• Advanta Platinum Business Card with Rewards Options————Approved, 22,000 CL
• Advanta Life-of-Balance Platinum Business Card——————Approved, 8,000 CL

According to sam, he thought he would make his AOR much better if he can eliminate the credit inquiries within 24 months or wait until them disappear.