App-o-ramas for me these days are pretty easy since I don’t even bother to look at Chase, Barclay’s, or USBank. I don’t really hit up Citi that much either just because nothing really entices me and I have a good number of AA miles collecting dust. The last time I did an AOR was back in June 2016 but even then, it was only for 2 cards (Prestige and Spark.) I only reason I did this AOR was because I saw Frequent Miler’s post. So let’s go (in order of application.)
By the way, shoutout to Milenerd’s monthly post. That’s where I got all the links to the apps.
Citi AA 50K (non 24 month rule) – Approved after call
Straight to pending. Not how I wanted to start an AOR, but whatever. A day later I called Citi and after a 30 minute phone call (long CR perhaps?,) I was able to move CL from my Prestige and was approved!
BoA Merrill + Card 50K points – Approved in email
Got the card for this reason. Straight to pending as well. Man, swung and missed twice. Not looking good AT ALL. For reference, I had closed out ALL of my BOA cards a few months ago since I heard that improves your success rate. Eventually I got an email that I was approved for the card. Thank goodness!
BoA Alaska Personal 30K + $100 credit – INSTANT APPROVED for 20K CL
Ahhh finally an instant approval! Glad I closed all those BoA cards after all.
BoA Alaska Business 30K – INSTANT APPROVED for 5K CL
Things are looking up!
BoA Amtrak – APPROVED for 15K
Goooooaaaaaaaaaoooooool. Odd how both AS and Amtrak were so easily approved but Merril went immediately to pending. I don’t even know why I picked this card since I didn’t really like my last Amtrak ride. I just hope my points don’t expire due to inactivity.
BoA Travel Rewards Business 25K – APPROVED after moving CL
I’m not sure why FM picked the Biz over the personal. Maybe it’s because it gives 5K more points. Anyway, this also went straight to pending. I sorta gave up on this card, but BOA called me the next day and gave me the classic Chase Ink business grilling – essentially asking me all the info I had filled out – nature of business, how long in business, gross revenue, net revenue. She then busted out, “I see that you applied and was approved for a number of personal cards yesterday and another business card. Why did you want this card?” THINK FAST! I actually forgot which biz card I was approved for so I asked her and she said the AS Biz. I then told her that the AS card was for travel related business expense, this card would be to buy inventory for the business, and the personal cards were for personal use. She then put me on a pretty long hold…
She came back on and said “unfortunately we can’t approve you at this time…” I thought oh well, it was worth a try anyway. Then she continued, “If you want to move credit from another card, then we can approve you for this…” WELL DUH! I asked her to move 10K from the AS personal but she said she could only take $3500. I asked her if this would still be a Visa Signature card. She told me, “Uhh this is a Mastercard.’ DOUGH! She proceeded to tell me it’d be the SAME card. I should have asked her if the signup bonus still applied, but moronically didn’t do it.
Capital One Venture Rewards – Denied
I’m pretty sure I had a Venture many moons ago and I currently have 2 Sparks. I’m crossing my fingers for this one.
Update – Denied for too many inquiries
AMEX Hilton Surpass 100K – Approved after call
I didn’t really want this card. I only did it to test this theory. This would be my 5th CREDIT card with AMEX after my Blue, SPG, SPG Biz, and Simplycash. Lesson learned – don’t call at night time PST since India will pick up and can’t help. I called the next day and after verifying that I was the one applying for the card, I was approved!
Seven out of 8 approvals isn’t too shabby. I have to be honest here – I actually don’t like applying for cc’s these days. I don’t like making reconsideration calls and being grilled like the BoA Biz Travel card. But if I don’t do these AoR’s, then it’s money left on the table. I wouldn’t have banged out as many BoA cards, but since I saw FM’s success, I went and tried myself.