I had 19 open credit cards, no installment loans or mortgages. My Credit Sesame score was 754 on the FICO style scale. From Truecredit I found I had scores and inquiries within the last two years of 862 with with 7 inquiries on Transunion, 892 with 18 inquiries on Experian and 857 with 10 inquiries with Equifax. Most credit issuers pull from Experian in South Carolina.
My proposed cards were the Chase Marriott card, Ink Plus business card, Citibusiness AA card, and the Barclays US Airways Mastercard. I since decided to hold off on the Marriott card as I have not been staying at Marriott’s, I have 18 inquiries with Experian and I flat out have plenty of miles and points to get me by. I’ll save that inquiry for a later date and hopefully a bigger offer. It is an easy three card application process for me. Here are my results:
CitiBusiness AA card – Denial and I can’t change it. I used the info on the Flyertalk thread regarding applying at least 65 days after getting approved for the two personal cards. It has been more than 18 months since I have had this card but I was denied for having this card previously. I don’t know why it happened based on others past successes with this technique, but it is what it is. No sense crying over spilled milk.
US Airways Mastercard for 40,000 miles – Instant Approval.
Chase Ink Plus took a phone call to Business reconsideration as it seems to always take. I was granted a nice line of credit
All in all, I’m satisfied with the two cards I was approved for. Valuing the 40,000 US Airways miles at 1.6 cents each and the 50K Ultimate Rewards points at 1.9 cents each, the applications are all worth about $1590 in travel rewards minimum with minimal if any impact on my credit score. The 50K Ultimate Rewards points takes $10K in minimum spend so I’ll be busy with that one for a few months.
Your credit is one of your most important assets
And the Band Plays On
Deal of the Day
For today’s Deal of the Day American Airlines AAdvantage® has provided 2500 AAdvantage® miles for the best deals, fares, promotions, anything related to American Airlines, their oneworld partners or AAdvantage® partners. Add it to the comments section of this post or this afternoon’s Deal of the Day post (with your first name, last initial, and home airport) to be eligible to win.
Chase Sapphire Preferred® Card
- Annual Fee: $95 fee waived for the first year
- Foreign Fees: No
- Card Type: Bank
The Sapphire Preferred offers 2x points on dining and travel, and no foreign transaction fees, making this the go-to card for travelers.
This card accumulates Ultimate Rewards points, which are very valuable for transfer to United and Hyatt. Overall, this card is a great choice for maximizing earnings on dining, travel, and every day spend.
- Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- No foreign transaction fees, plus Chip and Signature enabled for international travel.
- 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
- 24/7 direct access to dedicated customer service specialists
- Introductory Annual Fee of $0 the first year, then $95