It has been more than 91+ days since Lisa’s last round in the end of December. Points have posted and spend done so on to the next round. What did we go for and what happened and what was her credit score pre-app? Let’s take a look.
First what happened. Results were mixed. None of the 3 cards came with instant approvals and one is currently still in the NO column but we are not ready to give up on it just yet.
So what did we go for and why? We needed more cards with low spend due to the bulk of our spend, including vanilla, being pushed to my Delta AMEX to get my bonus MQM’s. We also are in need of more hotel points and want to top off our AA points as well as more “travel cash” for next year’s ski trip.
- So card number one was the AA CitiBank business 30,000 point card. With a low spend level for 30k points it was a perfect fit. There was no instant approval but very quickly the card arrived with a nice size credit line.
- The next one was the 40,000 point Barclaycard Arrival World MasterCard. Again no instant approval. Time for the reconsideration call. Lisa has two US Air cards, like I had before I went for my Barclays and I had to move some credit from my old one to get the OK. We attempted the same for Lisa but the rep would just not budge. Lisa has too short a time with Barclays and enough credit already. Time to write a letter asking to have the account looked at one more time. I am confident we can get this done with some more work.
- The last one was the 80k Chase IHG card (not my link and at the bottom of the list of cards). Again this took a call and we moved her entire United card credit line from that card to the new PC card and it was approved. Lisa, a very long time ago, had a PC Visa so it will be fun to see if we do get the points or not (the rep confirmed 80k with $1000 spend but we will see). Even with NO points, this card will be a long term keep so I am fine either way due to all the perks it gives.
That wraps up this round of cards. Even if Barclays ends up in a final no after a reconsideration letter I am pleased. I am only a few weeks away from another big dump of MQM’s from my personal Delta AMEX Reserve card and then can shift, after Lisa’s cards, to my last $30,000 spending on my business Reserve card. – René
▲Delta▲ SkyMiles® Credit Card
from American Express®
Click here for more information