October 16th, 2012
4BM Success!
Update for all of the naysayers: All of the points from these 4 churned cards (30K Starwood+30K Starwood+25K MR+30K Delta) have posted automatically. Additionally I now have received 8 elite stay credits and 20 elite night credits this year from my 4 currently active Starwood cards.
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This post was originally published on 08/26:
Find other articles like this by clicking on the “credit card posts” tab on top of the DansDeals banner at the top of this site.
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Click images to enlarge:
I’ve been doing 2BMs and 3BMs since I started blogging back in 2004. I did it on a whim with 3 Citi AA cards and got 3 instant approvals and coined the method to my madness the “3 browser method” and its made the rounds online ever since. I used to do that every 60-90 days on those cards, but in recent years Citi has gotten much tougher with AA card approvals for people who have had the card in the past.
I recently wrote about the process of a 3BM and an AOR in this post. The advantage is that you increase your odds for instant approvals and you limit the number of hard pulls. I’ve been known to do a few 3BMs with different banks (Chase works well for me also) as close to the same time as possible.
This past May I did a 3BM with American Express for the Delta Gold Consumer, the Premier Gold, and the Platinum Consumer card. All were approved within a few days without having to call and the points posted for all of them although I have had them all in the past.
You can check approval status with this online tool.
This past Sunday I was feeling brave and for the first time decided to try for 4 cards from American Express. I applied for the Starwood Consumer card and the Premier Gold Consumer card first and then followed up a couple minutes later with the Starwood Business card and the Delta Gold Business card.
I had no instant decisions, but by Friday I had 3 approvals without speaking to anyone. For my last card I got a voicemail to call them up. I gathered my courage and called up, chatted with the offshore rep about his dislike to work on the weekend and his love to relax with a smoke and a bourbon, and after a few minutes he just verified that my address was correct and approved me on the spot.
After that I signed up yet again for Citi Identity Monitor for $1 for the first month (using Citi’s own virtual card number program so that I won’t be charged extra if I forget to cancel) and confirmed that I only had received 1 credit pull for my May 3BM and 1 credit pull for my August 4BM with American Express. In OH, American Express pulls from Experian and Chase pulls from Transunion.
If you make no income on the books I wouldn’t recommend doing this with American Express, but as long as you make something on the books (a DDF member recently passed a financial review with just $6K on the books even though he reported income many times that) you should not have a problem passing a financial review should it ever come to that.
I have had 3 Starwood cards in the past, but this is my first time having 4. I’ll let you know if I get 8 elite stay credits from this!
Total haul with the limited time promotions will be 60K bonus Starpoints, 25K bonus MR points, and 30K Delta miles. Plus I can’t wait for Small Business Saturday or for the next AMEX promotion like Gift Chain with so many cards! Of course my local restaurant looked at me like I was nuts for paying my bill with 4 different credit cards all signed up for $5 off $10 with AMEX Foursquare!
For those keeping score at home, my current active card lineup with American Express is 9 cards:
-SPG Consumer #1
-SPG Consumer #2
-Delta Gold Consumer
-Platinum Consumer
-Premier Gold Consumer #1
-Premier Gold Consumer #2
-SPG Business #1
-SPG Business #2
-Delta Gold Business
And I have 10 active Chase cards:
-Sapphire Preferred Visa
-Sapphire Preferred World Mastercard
-Ink Bold Business (with Chase Exclusives linked)
-Ink Classic Business
-Freedom Visa (with Chase Exclusives linked)
-Hyatt Visa
-United MileagePlus Explorer Visa
-United Club Mastercard
-United MileagePlus Explorer Mastercard
-Southwest Visa
1
August 26th, 2012 at 12:46 am
My mouth just watered from this post!!
2
August 26th, 2012 at 12:56 am
BTW, how come I can’t seem to replicate your success? My last AOR I only went 3/6. You seem to never ever be turned down for a CC!!
3
August 26th, 2012 at 12:59 am
Nicely done! Now how much in annual fees for renewals
4
August 26th, 2012 at 1:07 am
@Anonymous:
Always call Recon if needed. Don’t let a “no” discourage you from HUCA.
And move to OH where AMEX and Chase pull from different bureaus. In states like NJ, NY, and IL they both pull from Experian I believe. Though for Chase that can be mitigated with freezing.
http://www.dansdeals.com/forums/index.php?topic=8028.0
http://www.dansdeals.com/archives/22047
http://forums.dansdeals.com/index.php?topic=6373
@milechazzer:
http://forums.dansdeals.com/index.php?topic=1572
5
August 26th, 2012 at 1:07 am
How do i get a citi virtual card number?
6
August 26th, 2012 at 1:07 am
@hudi:
Login to http://www.citicards.com for their online or downloadable app.
7
August 26th, 2012 at 1:12 am
Dan- Thanks for the great post. A few questions:
1)I already have a SPG card but I see you have 2. Is that a different card? The linky brought up the same card. Same question for Premier Gold and SPG Business.
2)How often can you re-apply for SPG after closing? Other AMEX cards?
Thanks as always.
8
August 26th, 2012 at 1:14 am
How are you able to get bonuses for same card over and over again despite applying within so close to each other and when old is still open?
9
August 26th, 2012 at 1:15 am
@CBD:
I have 2 of each of those cards now.
@booyaa:
I apply for co-branded cards from AMEX with a blank mileage number and from Chase with a new mileage number and have never had a problem.
10
August 26th, 2012 at 1:16 am
And how are you not hit with the “duplicate app” rule with Amex when you apply for more than 1 card in a day? They say second app will be processed a couple days later and according to others, they will pull a second time then.
11
August 26th, 2012 at 1:20 am
@booyaa:
I’ve never had that problem and neither have other forum members.
In fact another forum member just posted he was approved for a whopping 5BM without having to call in:
http://forums.dansdeals.com/index.php?topic=19529.msg290459#msg290459
12
August 26th, 2012 at 1:23 am
@Dan: you must have missed it but quite a few ppl on the forums have had that problem with amex including me twice.
13
August 26th, 2012 at 1:27 am
so you mixed business and personal 1 pull? hows that possible?
14
August 26th, 2012 at 1:27 am
Just to clarify, When they say that there were too many apps, and they are going to wait 5 days, are they going to do another credit check? Should I just wait, or tell them to cancel the app?
15
August 26th, 2012 at 1:28 am
@Dan: So you are saying that even if someone has an SPG card, they can apply again with a blank number, while leaving card #1 open? I know these may be amateur questions, but I am sure I am not the only one.
16
August 26th, 2012 at 1:34 am
Dan, will i get the 40k signup bonus for the Sapphire Preferred Master Card if I already have now the Sapphire Preferred Visa?
17
August 26th, 2012 at 1:50 am
Dan,
When you churn SPG cards do you open a new SPG time each time to put on the application? Otherwise how do you ensure getting the signup bonus again?
(If you dont want this in public feel free not to let this through and just send me a PM on the forums)
HSS
18
August 26th, 2012 at 1:53 am
How do you churn the Delta gold card? Same as the SPG? Leave the skymiles blank? Or make a new account beforehand? TIA
19
August 26th, 2012 at 2:12 am
no two pulls for business and consumer? pretty sure I saw you mention before that it was most likely to cause two pulls.
20
August 26th, 2012 at 2:13 am
I dont understand how do you have 2 of the same exact CC’s?
21
August 26th, 2012 at 2:15 am
Also when churning cards (canceling and reapplying??) how long should i wait with the card before canceling and how long between canceling and reapplying
22
August 26th, 2012 at 3:07 am
After approval for the spg (leaving the spg# blank?), how do you combine the spg points with your existing starwoods acct?
Thanks.
23
August 26th, 2012 at 3:09 am
Also, does “freezing” my Exparian co$t any mulla? TIA
24
August 26th, 2012 at 6:10 am
Dan, how do I check the status online of my Chase cc application?
25
August 26th, 2012 at 6:52 am
WOW IMPRESSIVE!
DAN, how come I don’t recall you ever mentioning on the forums that spy and PRG don’t need to be shut before reapplieing? [I can maybe understand spy but having 2 PRG's open is behind me]
26
August 26th, 2012 at 7:35 am
@123:
It works just fine with Amex!
@arch:
I’d just wait. YMMV.
@Anonymous:
That’s what I did.
@Moshe:
Yes though it may auto reject you. Just call recon and explain why you need both or offer to have the Visa closed to approve the MC.
@HSS:
Blank.
@Sarah:
Blank.
@sam:
Just 1 pull but YMMV.
@dave:
I had a reason ready to use (dedicated HSA spending card) but never had to use it as they were approved on their own.
@dave:
This isn’t a science. Its all trial and error.
@yidel:
There’s a merge option on spg.com
@TG:
You need to call or wait for it to show up in your online profile.
@creditor:
I have mentioned having 3 SPG cards in the past. Now we know 4 is also possible.
27
August 26th, 2012 at 7:43 am
and what about PRG, how’s that possible?
28
August 26th, 2012 at 8:23 am
I thought Amex and Chase limited the number of cards you can have open at a given time? I thought Amex was like 3 personal and 2 business or something like that?
So for SPG (I have personal and business already … both applied for and received over 1-2+ years ago) I can just apply again, leave the SPG number blank, and then combine them later on?
Thanks!
29
August 26th, 2012 at 9:02 am
@creditor:
How’s what possible? I just did it and it happened without even a phone call.
@xp0:
Apparently not.
That’s what I do. YMMV.
30
August 26th, 2012 at 9:02 am
I got a call from amex that I can’t have more then 4 cards open with them how come you have 9?
31
August 26th, 2012 at 9:06 am
@Anonymous:
HUCA?
32
August 26th, 2012 at 9:27 am
HUCA?
33
August 26th, 2012 at 9:33 am
http://www.dansdeals.com/archives/22047
34
August 26th, 2012 at 9:33 am
How long do you wait between your round of applications? I heard it’s best to apply for cc’s every 3 months. Is that the case b/c we have often been getting an initial refection due to, “Too many credit inquiries” . Any suggestions?
35
August 26th, 2012 at 9:37 am
Thanks
36
August 26th, 2012 at 10:28 am
I wonder how u don’t get A/Aed from chase
37
August 26th, 2012 at 10:38 am
dan i applied for 4 citicards and got 3 approved – didnt put in my mileage number but still didnt get the sign up bonus – (with one i made a spelling mistake and they gave me a new addavantage number ad got the bonus there)
Is the natural Churn now over and now you need to “Mispell” your name?
38
August 26th, 2012 at 10:52 am
I would think it doesnt have much to do with your name since you are still providing your SSN which I would assume is what they go by?
39
August 26th, 2012 at 10:58 am
how do they approve you for a card you arleady have?? i’ve never had success with that!
40
August 26th, 2012 at 11:25 am
“using Citi’s own virtual card number program” -what does that mean?
Thanks for the awesome posts dan!!!
41
August 26th, 2012 at 1:22 pm
Hi Dan,
My credit is not that good (600). Is there any way i can get a cc that is not a secured card? thanks
42
August 26th, 2012 at 1:54 pm
Question.
after getting the SPG cards do you NEED to make up a new Starwoodhotels.com account to see and get the miles ???
please reply
43
August 26th, 2012 at 2:07 pm
I did a 5BM W/ Chase just for thrills once.
I only got 2 of them but of course only one pull on Experian
44
August 26th, 2012 at 2:20 pm
@needcc:
store card
45
August 26th, 2012 at 2:22 pm
” a DDF member recently passed a financial review with just $6K on the books even though he reported income many times that”
link to DDF?
46
August 26th, 2012 at 2:34 pm
i called chase aboout the sp world mastercard covering the collision damage waiver and they said that israel was excluded. is that a change from earlier?
47
August 26th, 2012 at 3:26 pm
@hudi:
Exactly, everywhere else I’ve read most people have run into this. Except for those who seemed to have applied for charge cards on the second app, which is the only case for myself my second app didn’t get delayed.
48
August 26th, 2012 at 3:31 pm
Dan, you’re in CLE? I’m in ROC. We need to meet.
49
August 26th, 2012 at 3:55 pm
I aplyd In 3BM For AMEX SPG Cosumer, Premier Gold, Delta Skymiles All Consumer. I got instant aproved on first two and the Delta it said to call them and now on the status is says “Proccesing” Shuld I call them or wait to aprove Automatic?
Also I have the INK BOLD with chase checking so I would Like you to put this card in the charts VS. other cards even its not avalble anymore. I also want to Know if you think I shuld hold the card even with anual fee because once its closed it cant be get agin?
50
August 26th, 2012 at 4:49 pm
Also, you leave blank for co-branded reward programs for bonus points, what about the multiple PRG cards?
51
August 26th, 2012 at 5:06 pm
Hey Dan, I just got declined for Amex Consumer, i HUCA the reconsideration line a few times and they all told me to Fax in my Credit report and a letter.. to the Media Team, do i have to do that…?
52
August 26th, 2012 at 5:10 pm
Hi Dan, i have no CC in mine name and I recently got declined for Chase Perfered, i HUCA`D a few times but no luck, i have $2000 balance on my credit report from 2008 and a 630 Score, what do u think i should do?
53
August 26th, 2012 at 6:40 pm
Dan, I want to do the following App-o-rama:
3 Amex cards
3 Chase cards
2 Citi cards
Is this crazy?
54
August 26th, 2012 at 8:41 pm
Way to go Dan!!!
Presumably the significant other has a comparable card line up.
How about little Rafi?
55
August 26th, 2012 at 8:45 pm
@runnergirl:
3 months is a good rule of thumb.
@miles:
They haven’t been doing A/As of late. And they were more targeting abusers of cards like AARP.
@c:
No need to mispell anything. Citi got too hard with the AA cards though and they don’t track by mileage numbers like the other guys do.
@jtown bochur:
It’s lets you create a credit card number only good for $1 and 1 month.
@needcc:
Get added as an AU onto come good cards.
@love this blog:
http://forums.dansdeals.com/index.php?topic=8.msg287872#msg287872
@phil:
Chase does not provide coverage, but MasterRental does on the Sapphire World Mastercard, call MasterRental for a letter for coverage.
@Jack40:
I’d wait.
It’s a good card, I wouldn’t be too quick to close it.
@booyaa:
Haven’t had a problem in the past with it. My one in May was not my first time having it and had no probs getting the points.
@Moshe:
Get some help to clean your report.
@App-o-rama:
Not if you follow through.
@MilesCollector:
Lol, not yet.
56
August 26th, 2012 at 8:56 pm
@love this blog:
http://forums.dansdeals.com/index.php?topic=8.msg287872#msg287872
57
August 26th, 2012 at 8:57 pm
Guys!!! Stop saying DAN!!!! Its annoying. He doesnt answer people who dont read the post or earlier comments.
58
August 26th, 2012 at 9:18 pm
Question.
after getting the SPG cards do you NEED to make up a new Starwoodhotels.com account to see and get the miles ???
please reply
59
August 26th, 2012 at 9:28 pm
@Dan I’ve been getting a 50000 mile delta deal in the mail every couple weeks now, is that only available to ppl who get the offer? I see you signed up to 30000.
60
August 26th, 2012 at 10:08 pm
regarding comment #42 do you know of anything that i can do to get off chase blacklist ?
61
August 26th, 2012 at 10:23 pm
Dan, Do you think it’s safe to do 3BM with AMEX every 30 days or it’s too soon? Also, if you were to do a 3BM with chase, which 3 cards would you go for to get the most bonus miles?
62
August 26th, 2012 at 10:51 pm
also, if i have Gold Delta skymiles, should i close it wait 30 days and apply again or just apply while the old one is still open?
63
August 26th, 2012 at 11:47 pm
Dan, Whats the difference between SPG Consumer card and Business Card?
64
August 27th, 2012 at 12:52 am
doesnt too many credit cards ruin your credit score?
65
August 27th, 2012 at 9:48 am
@needcc:
Get added an an AU onto come good cards……..
Thanks for your reply Dan, But can you explain?
66
August 27th, 2012 at 12:01 pm
I’m confused. You seem to always say not to cancel CCs. Yet, you seem to have only a few active cards (19), but claim to open them almost monthly for years…
67
August 27th, 2012 at 12:07 pm
@Abe:
It’s targeted.
@isaac:
Try to get the credit bureaus to delete the cards from your record as they don’t exist.
@esther12:
Every 30 is pretty aggressive.
Lots of great Chase cards, depends on what you have now.
@esther12:
This isn’t a game with rules. It’s trial and error.
@Mark:
There are a few small differences in benefits.
@Leah:
No.
@needcc:
Have a parent with a good old underutilized card add you onto that card.
@AVi:
When did I say not to cancel credit cards? I said no such thing.
For what I actually said see here:
http://www.dansdeals.com/archives/23410
Also these are my active cards from just 2 banks, I have many more active cards then that.
68
August 27th, 2012 at 12:44 pm
@Dan:
thanx for responding . Do u mean to say that chase doesnt keep their own blacklist ,and if i get it off my credit report they wouldt see that they closed my cards in 08 for no apparent reason ?
69
August 27th, 2012 at 12:53 pm
@isaac:
So I’ve heard.
70
August 27th, 2012 at 1:55 pm
thanks anyways dan, but thats not going to happen, esp if the bill goes to my parent (even if i pay that segment)
71
August 27th, 2012 at 1:55 pm
@needcc:
You don’t need to use the card, it’s to improve your credit score.
72
August 27th, 2012 at 2:08 pm
Still cant find on citicards where to get a virtual card.
73
August 27th, 2012 at 2:12 pm
oh i see, thanks!
74
August 27th, 2012 at 2:32 pm
@Dan:
thanx will try and keep u posted
75
August 27th, 2012 at 4:52 pm
Dan, I only have Chase sapphire preffered visa open, the rest i closed and moved the credit line to this one. So what other 3 cards you suggest I open?
Thanks
76
August 27th, 2012 at 7:24 pm
Hello Dan! First and foremost big fan of your site. my daughter has just turned 18. what credit card do you recommend as her first under her name? ( help build up her credit)
77
August 28th, 2012 at 10:19 am
I was A/A even with out abuse
78
August 28th, 2012 at 12:04 pm
Is chase sapphire preferred a business cc? I applied for it but it says that I cant link it to my other accounts because it is a business account.
79
August 29th, 2012 at 9:16 pm
how many minutes apart do you have with the 3bm i did it but one got messed up after the other was submitted and it took an additional 3-4 min before i could submit it
80
September 2nd, 2012 at 2:55 am
I have the premier gold busnss from october 2011 and they now offer to upgrade to platinum with 25k bonus no spending,
no cr pull. Should i do it. I have the SPG cons, delta options cons and hilton. I would like to do a 4BM for SPG cons, PRG cons, Spg bsnss & Delta gold bsns. You mentioned once that cons and bsnss is 2 sep pulls but now it is one. Please advise if u have other sugesstions. Thanks so much for yr help !!!!
81
September 3rd, 2012 at 12:54 am
@dan i am applyn 4 the spg business what else do u suggest for a 3bm w one hard pull thanx!
82
September 3rd, 2012 at 11:05 am
@dan I applied about !:00 am for 2 amex busnss and 2 amex cons and due to a glitch with my internet connection only one went through for spg bsnss. This is the msg I got.
Thank you for applying for the Starwood Preferred Guest Business Credit CardSM from American Express.
We are currently processing your application.
To check the status of your application online, please go to http://www.americanexpress.com/myappstatus
We will contact you when we have completed the processing of your application. Please refrain from submitting any additional applications for the Starwood Preferred Guest Business Credit CardSM from American Express as we are only able to consider your initial request.
Sincerely,
American Express Customer Service
Any suggestions what I can do now ?
83
September 3rd, 2012 at 11:15 am
I just checked the status and the Delta bnss was approved with the SPG bsnss in Progress. So basically my 2 cons apps did not go through. Should I apply again for the 2 cons crds ( SPG and Premier gold) and will this be a pull again even though it is the same day. Also maybe I can try for a 3BM but which one as the third? Thanks again !!!!
84
September 3rd, 2012 at 11:03 pm
Im having a problem getting a virtual cc number, can someone post a link please?
85
October 16th, 2012 at 5:24 pm
I received a request for permission to see my tax return from AMEX. I had requested a credit increase. Is there any reason to or not to give it to them. I make money on the books.
86
October 16th, 2012 at 5:32 pm
how long is the spending requirements for the amex 30000 pts.? and is that from the first time i use the card or is there a set date?
87
October 16th, 2012 at 5:48 pm
dan, can you use Virtual Account Numbers for all trials and the like risk-free
88
October 16th, 2012 at 6:33 pm
how do you have 2 consumer cards?
89
October 16th, 2012 at 6:45 pm
@yaakov:
The 30K deal is dead now.
The current offer is 25K. You get 10K after the first purchase and 15K for spending $5,000 in 6 months. Though after spending $5K you will have 30K points.
@bb:
I applied and was approved.
90
October 16th, 2012 at 6:57 pm
If i wanna get a second spg card do i write that i am an existing spg member? Last time i did it i never got the points because they said that its only for first time. Any help? Thanks again dan.
91
October 16th, 2012 at 7:02 pm
Hello Dan,
There seems to be an issue with the image that you posted, I clicked on the links by the words CLICK HERE and none of them were in operation, my mouse gave me an option to save the link but all that did was download a picture file to my Windows PC.
Please see if you can fix the links.
Your Truly
Steve O’Wales
92
October 16th, 2012 at 7:17 pm
@Steven:
So then say no.
93
October 16th, 2012 at 7:54 pm
@ john. So that means im gonna have 2 accounts with points?
94
October 16th, 2012 at 8:04 pm
https://www.starwoodhotels.com/preferredguest/account/combine_accounts/index.html
95
October 16th, 2012 at 10:54 pm
@Dan:
Well I guess that would only work if you didn’t have to call in. If you did have to call in, what possible justification could you have for two consumer cards. ?
96
October 17th, 2012 at 7:12 am
@Al:
Needing 2 cards for different expenses, like for HSA expenses, etc.
I actually had to call in for my 2nd consumer SPG card, they didn’t ask why I wanted 2.
97
October 17th, 2012 at 7:24 am
Dan,
Thanks for sharing you experience. Am I understand correctly, that AMEX in practice does not enforce their “12 month rule” about getting the bonus for the same card?
98
October 17th, 2012 at 7:45 am
@Anonymous:
All I can do is share my experience.
On the Premier Gold card I got the bonus in July and October.
On the SPG cards I got both the bonuses despite currently holding both cards.
There have been reports on the forums of problems with the Mercedes card however.
99
October 17th, 2012 at 7:47 am
Dan – I just signed up for the citi identity monitor. Unless i’m not seeing it, it seems that the identity monitor doenst tell you which credit bureau was pulled for each new account. Is this correct? Additionally, I did a big application batch and all my inquiries are showing up except for a barclays inquiry. I’m positive barclays would have made an inquiry as I was approved for the USAir card. Is there a chance barclays didnt do a hard pull? (doubtful)
100
October 17th, 2012 at 7:51 am
from my above post – my batch of cards included 2 citi AA cards, 2 chase cards, and the usaircard. Citi monitor is showing a pull from citi, a pull from chase, and none from barclays.
101
October 17th, 2012 at 7:59 am
After you signup you need to opt-in to the 3-in-one credit bureau to see your complete report.
102
October 17th, 2012 at 8:59 am
I recently had a problem with a PRG card not getting the bonus. They said I was not eligible bc I had gotten the bonus within a year. Do you think it will just post automatically within the 8 weeks after I hit the spend or should I try calling a rep.
103
October 17th, 2012 at 9:35 am
To Dan:
So…for the 2nd set of the same cards: Did you leave spg a/c # off the application? Or did you sign up WITH new spg number? Or you gave your regular spg # and got approved with signing bonus again?
Pls lay it all out, thanks:-)
104
October 17th, 2012 at 10:30 am
Dan: how do you get hsa expenses on a credit card? I use chases hsa and was only given a debit card.
105
October 17th, 2012 at 10:45 am
AMEX told me that they have a limit of 4 credit cards (not including charge cards.) Is that only due to my income? The CSR made it seem like a general policy, yet I see you have more. Or are they under other SSN’s?
106
October 17th, 2012 at 10:58 am
Dan how do you get to have both the Sapphire Preferred World Mastercard and the Visa ? I have applied last month forthe world mastercard and i already have the visa sapphire they sent me letter to call them and asked why i want a sapphire card since i ahve one already they told me i cannot have 2 sapphire cards.
107
October 17th, 2012 at 11:45 am
@e:
Spend and wait.
@gpapadop:
Blank and merged.
@Yakov:
You can put HSA expenses on any card you want. But it’s good to have a dedicated card.
@Joe:
These are all under my SSN, so that’s not a real rule.
@David:
You need to do a good job explaining why you need a MC and Visa.
Either way you can keep applying for the other Sapphire and get the bonus again by having them approve it by closing your existing Sapphire card.
108
October 17th, 2012 at 12:25 pm
when signing up for multiple delta cards wirh a blank # when u merge the accts later do the mqm tranafer as well?href=”http://dansdeals.com/archives/23754/comment-page-1#comment-154637″>Dan: @Dan: @Dan:
109
October 17th, 2012 at 1:37 pm
Dan, I’m in NY, so Chase and Citi (and AMEX, but my question’s about Chase/Citi) all pull EX. If I freeze EX, will it still work to apply for several cards from each issuer on the same day? Or will the fact that EX is freezed mess something up somehow?
110
October 17th, 2012 at 1:47 pm
@Dan: I already got the card I wanted to know by when do I have to spend the 5000$?
111
October 17th, 2012 at 2:06 pm
dan, why don’t I have the same success? they don’t want to give me points for cards iahve had within the pat 12 months?
112
October 17th, 2012 at 2:28 pm
Dan, unfortunately there is nothing i can do now since 30 days have passed they say i need to apply again if i want the sappphire MC then maybe if they approve me then maybe close out the old visa, But the question now is i got already approoved for 2 other Chase cards in the past month how long do i need to wait before i apply and ask Chase for another card?
113
October 17th, 2012 at 3:58 pm
I applied for SPG a few weeks after canceling my old spg card, I did not put in any SPG # yet my new card is associated with my existing spg number. I did not receive any point for the new card–anything to do abt it now? What did I do wrong?
one other question please, do you apply for a duplicate card and then close the original to get it approved?! Apply for a 2nd sapphire and close the first to get it approved?! How do you explain that on the phone?! What’s the chances of getting the bonus if you have one existing at time of application
114
October 17th, 2012 at 4:01 pm
Getting approved for all these cards is great
Getting the points may or may not be considering the impact of all those cards on one’s credit score when trying to buy a car or refinance your mortgage.
There is a fine balance between “total credit available & total credit utilized” at certain levels it improves your score – but too often it gets out of whack with a major negative.
115
October 17th, 2012 at 4:05 pm
I want to cancel an amex business gold to save the annual fee, can I apply for another amex bus gold first (can do another business name) and then merge my points onto the new account so I won’t lose my points when I cancel card #1? What’s the likely hood of approval for the 2nd amex gold if I have one open–can that affect my approval?
116
October 17th, 2012 at 11:01 pm
i did 3bm with chase about 2 months ago is it to early to try 3bm or 4bm with amex (im in NY)
if its fine what amex cards do you recommend besides 2 spg
thanks
117
October 17th, 2012 at 11:50 pm
The 2 links above for the Chase Sapphire Visa and Chase Sapphire World Mastercard seem to be identical with no differentiation as too which card it is you are applying for .
Are the links the same ?
118
October 17th, 2012 at 11:56 pm
@Sruli:
Been there, done that.
@Jared:
It can make it trickier, but it has worked for some for Chase.
@yaakov:
6 months.
@David:
There is no waiting period.
@Arie:
As long as you can explain what you’re doing and you’re keeping care to play the game right it won’t make a difference.
Been there, done that.
@Dave:
Yes.
@boruch:
YMMV.
Premier gold, plat, etc.
@ELI:
No, one gets you a WMC and the other a Visa. It’s embedded in the app,
119
October 18th, 2012 at 9:54 am
hi dan thanks for all this sharings
which card is the best to open now for getting most points
i need to spend a few 1000$ and want the best offer
thanks
120
October 18th, 2012 at 11:08 am
@Dan – YOU ROCK MAN! In post 26 you say that to apply for a second Sapphire card you should “Just call recon and explain why you need both” What reason do I give? For what reason would someone need two of the same personal card?
121
October 18th, 2012 at 11:24 am
@Dan – Please can you set up a glossary? All the acronyms are confusing. I tried searching for some and they don’t come up.
For 5BM, what five B’s do you use? I know about IE, FF and Chr. Are there others?
In post #67 you said “Try to get the credit bureaus to delete the cards from your record as they don’t exist.” Can you please elaborate? I had a late pmt on a cap one card I later closed. Can I get that removed somehow?
122
October 18th, 2012 at 8:44 pm
Hi Dan,
Back in August I singed up for a second SPG card (without giving my SPG number) and was approved. It has been two months and I have not yet received the 10,000 bonus points after my first purchase. How ling should it take? Should I call AmEx? What should I tell them?
Thanks
123
October 19th, 2012 at 5:27 am
This is gret stuff… But how the heck are you making the spend? You must be pushing 60k a year on just bonus spending
124
October 19th, 2012 at 10:22 am
Surprised that you don’t have the Freedom card on your list. It’s great for the munimeter.
125
October 19th, 2012 at 10:25 am
Dan do u have all the elite stays and elite nights in one spg account
126
October 19th, 2012 at 10:33 am
@hi dan:
Starwood, Freedom, and Sapphire are all great.
@Jersey Guy:
Visa and MC.
Sams only takes MC. Dollar stores only take Visa.
@Jersey Guy:
Read the post to see how I did the 4bm.
You can have them remove incorrect records, not correct records.
@Chana:
Perhaps try spending the full $5K like I did.
@Charles:
Be creative.
@Sara:
It is there.
@miles:
Yes.
127
October 19th, 2012 at 2:02 pm
https://www262.americanexpress.com/apisites/microsite/landingpage/95-1000-171
In terms (#5) its says u can’t get from 2 cards
128
October 19th, 2012 at 2:08 pm
@miles:
That’s nice.
Proves why I rarely read terms.
129
October 19th, 2012 at 3:18 pm
Thank Dan,
If you do not ahve a business tax ID, does this work with just your socialsecurity # or is AMEX different then Chase?
130
October 20th, 2012 at 5:19 pm
hi dan! 1.can i apply for a personal and business in a 2BM by chase (sapphire, ink plus)
2. can i make a 2BM of sapphire visa and sapphie WMC?
131
October 21st, 2012 at 12:13 am
you list -Ink Bold Business (with Chase Exclusives linked) I have a ink plus & I caaled them up to have Chase Exclusives linked & they say there is no such a thing, is the ink bold different?
132
October 21st, 2012 at 1:29 pm
@a gast – As far as I know, Chase Ink doesn’t participate in the Chase Exclusives program. Only the Freedom
133
October 21st, 2012 at 5:08 pm
How do you get the points to post so fast?
134
October 22nd, 2012 at 2:10 pm
Hi Dan,
I love your deals. However, unless I’m missing something: eventhough I might be able to get 3 or 4 hits for a card and get 100,000+ miles because the system technically lets me or it might accept my application within 12 months of me last having the card, AMEX or whichever company, clearly does not want me to have 4 of the same card even if I could do it. Can you explain why they actually are ok with me doing this besides technically I can therefore I will. Eventhough I love miles and love your other ideas I wouldn’t want to do something that is even somewhat dishonest. Looking forward to your response.
Thanks.
135
October 22nd, 2012 at 2:15 pm
@shawn:
It works with your SSN.
@Brian:
It used to.
@Anonymous:
They posted when I spent the requirement.
@chiam:
I have 4 Starwood cards and they didn’t ask why, but why do you need to get 4 of the same card? Get 4 different cards.
136
October 23rd, 2012 at 2:13 pm
Hiya Dan. I have been trying for ages to do 2BM’s and 3BM’s and just now 4BM’s, but it has never worked. Despite clearing my cookies from all browsers (heck its the first time I have even used Chrome since the install) I get the following message after submitting the whole application:
Currently, our systems are not responding. Please try again later or call us at 1-800-519-OPEN (6736) to apply for a Card. We apologize for any inconvenience. This happens no matter what time of day or night I try. Just unlucky? Or doing something wrong?
For reference, was applying for Amex Business Gold, Amex Business Delta Gold, Amex Business Starwood.
Thanks!
JB
137
October 23rd, 2012 at 2:54 pm
dan, for the new cards, did you just start a new spg number and then when the points posted is that when you merged the accounts? I am having a difficult time to get them to post my points and I have met the spend.
138
October 24th, 2012 at 5:31 pm
Dan, any reason you don’t have two Chase Freedom cards (VISA and MC) and if not, is it possible to get both?
139
October 24th, 2012 at 5:36 pm
@JayB:
They had technical issues yesterday.
@margaret:
I left it blank and then merged the created account.
@EliK770:
My wife has one as well, don’t really need more than that. It is possible though to have both.
140
October 25th, 2012 at 2:49 pm
Re error message: I got the same message today 10/24 on both Firefox and Chrome, and only IE went through – defeated the whole purpose of the 3 BM
141
November 6th, 2012 at 2:07 pm
I signed up for a second SPG and did not even receive the 10k signup bonus. When I sent them an email they said it is only if you did not have the product in the past 12 months. Any suggestions?
142
November 14th, 2012 at 2:36 am
The only way to apply for AMEX business card is IE… Confirmed 11/13. The 3BM or 4BM will not work if you apply for several business cards via Safari, Chrome, Firefox or Opera…
143
December 8th, 2012 at 11:01 pm
Hi Dan –
I tried a 3BM six months ago for 3 chase cards and was only approved for one – Sapphire Preferred. Chase claimed they needed more records of payment history before committing to more cards. Fast forward to today and I would like to try again but not sure which cards to apply for. Was thinking about the freedom card, ink classic or bold, and the starwood preferred guest. For a #BM do they all need to be from the same bank? Thanks.
144
December 21st, 2012 at 10:51 am
Dan,
How come you don’t have any Capital One cards?
Mendy
145
December 31st, 2012 at 9:21 pm
Once you merge the account does Amex get automatically notified of the new account number so points credit properly?
146
January 28th, 2013 at 9:39 am
Hey Dan I have a question if you could answer for me. I want the Chase Sapphire Preferred and the Chase Ink Classic card and was wondering if its possible to get both using 2BM method with one credit hard inquiry pull? Or will it be two pulls since one is Consumer and other is business? PLEASE LET ME KNOW THANKS! YOUR SITE IS AWESOME!
147
February 8th, 2013 at 2:09 pm
Hi Dan,
Great site with wonderful updates. I get your twitter updates too. Highly recommended!
I did the 4BM a few weeks ago. 2 Consumer and 2 Business. Got the Business approved right away. THey denied both consumers saying my income to debt ratio was too low. Tried reconsideration and HUCA a few times, trying to move debt from one card to another. 5 different agents said no can do. Finally increased my income level and an agent called me back saying they can only issue a max of 4 cards and that was the problem. That includes business cards. I had to close one Starwoods (the one that was generating a fee this month for the first time).
Can you weigh in on this? Ever heard of it? How did you get around it?
Thanks!!
GS
PS I’m also in Ohio