Whoa nelly, let the CC Applications begin!

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R

Reckoner

Lifer
Jun 11, 2004
10,851
1
81
Well I decided to apply to a bunch of different CC companies, and see how many 0% BT offers I can round up.

Here's what I applied for:

Sony Visa ($100 statement credit + 0% BT for 1 year)
Citi Preferred Diamond Rewards Amex (10,000 TY Points + 0% BT 1 year)
Subaru Mastercard (0% BT - 1 year)
Citi Simplicity (10,000 TY Points + 0% BT 1 year)
Citi Dividend Platinum Select / Amex version (10,000 TY Points + 0% BT 1 year)
Discover Miles Card (12,000 Bonus Miles + 0% BT for LIFE)
Providian Visa Card (Free Credit Pulls)


Next up: Balance Transfers.... :)
 
E

erub

Diamond Member
Jun 21, 2000
5,481
0
0
i hope you dont have any other Citi cards, because I've heard that 3 is the max that they let you have..I've heard of playing the App-O-Rama game with different companies before the inquiries hit, but don't you think that they might have software to know that you applied for 3 cards with THEM in a very short time??
 
D

DarkManX

Diamond Member
Feb 1, 2000
3,796
2
76
yea whats the deal with providean? i saw my co-workers account and it shows ur credit scores and everythin in real time. To bad the card dosent really have any descent benefits besides that.
 
R

Reckoner

Lifer
Jun 11, 2004
10,851
1
81
Originally posted by: DarkManX
yea whats the deal with providean? i saw my co-workers account and it shows ur credit scores and everythin in real time. To bad the card dosent really have any descent benefits besides that.
Click to expand...

After your card has been active a few months, they let you check your FAKO score once a month at no cost.
 
T

Triforceofcourage

Platinum Member
Feb 21, 2004
2,911
0
71
Originally posted by: PaulNEPats
Well I decided to apply to a bunch of different CC companies, and see how many 0% BT offers I can round up.

Here's what I applied for:

Sony Visa ($100 statement credit + 0% BT for 1 year)
Citi Preferred Diamond Rewards Amex (10,000 TY Points + 0% BT 1 year)
Subaru Mastercard (0% BT - 1 year)
Citi Simplicity (10,000 TY Points + 0% BT 1 year)
Citi Dividend Platinum Select / Amex version (10,000 TY Points + 0% BT 1 year)
Discover Miles Card (12,000 Bonus Miles + 0% BT for LIFE)
Providian Visa Card (Free Credit Pulls)


Next up: Balance Transfers.... :)
Click to expand...


You hang out at FatWallet Finance to much.......
 
M

manlymatt83

Lifer
Oct 14, 2005
10,051
44
91
Inquiries within a two week period (some) count as only one against your FICO, especially with the same creditor. I can't see it dropping TOO much.
 
Engineer

Engineer

Elite Member
Oct 9, 1999
39,230
701
126
Originally posted by: thomsbrain
Originally posted by: PaulNEPats
Originally posted by: acemcmac
WTF are you doing? Why do you need balance transfers?
Click to expand...

Free $$$ to put into savings accounts
Click to expand...

whoa nelly. someone doesn't know what he's doing.
Click to expand...

You have not visited the F@twallet Finance Forum, have you? ;)

(I know PaulNEPats does! :D )
 
R

Reckoner

Lifer
Jun 11, 2004
10,851
1
81
Originally posted by: thomsbrain
Originally posted by: PaulNEPats
Originally posted by: acemcmac
WTF are you doing? Why do you need balance transfers?
Click to expand...

Free $$$ to put into savings accounts
Click to expand...

whoa nelly. someone doesn't know what he's doing.
Click to expand...


Actually, I know exactly what I'm doing. Maybe you should brush up on the subject before commenting, eh?
 
R

Reckoner

Lifer
Jun 11, 2004
10,851
1
81
Originally posted by: Engineer
Originally posted by: thomsbrain
Originally posted by: PaulNEPats
Originally posted by: acemcmac
WTF are you doing? Why do you need balance transfers?
Click to expand...

Free $$$ to put into savings accounts
Click to expand...

whoa nelly. someone doesn't know what he's doing.
Click to expand...

You have not visited the F@twallet Finance Forum, have you? ;)

(I know PaulNEPats does! :D )
Click to expand...


Hehe yep! After reading that some people are making an extra 3-5k per year doing this, I want to see if I can make some decent change myself :)
 
Engineer

Engineer

Elite Member
Oct 9, 1999
39,230
701
126
Originally posted by: PaulNEPats
Hehe yep! After reading that some people are making an extra 3-5k per year doing this, I want to see if I can make some decent change myself :)
Click to expand...

A few of the heavy hitters make between 20k and 30k per year doing this. I'm not that brave!
 
R

Reckoner

Lifer
Jun 11, 2004
10,851
1
81
Originally posted by: Engineer
Originally posted by: PaulNEPats
Hehe yep! After reading that some people are making an extra 3-5k per year doing this, I want to see if I can make some decent change myself :)
Click to expand...

A few of the heavy hitters make between 20k and 30k per year doing this. I'm not that brave!
Click to expand...

Neither am I :p Too much can go wrong in that scenario. Maybe after the first run.
 
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