Updated on 7/20/2019 at 8am: I added the Barclays rejection letter to the bottom of this post.
Good morning everyone, I hope your 2 day Prime Day shopping spree is going well. Even though I didn’t buy much on the first day of Prime Day, I did pick up a few new credit cards. My last App-O-Rama was in March, so I patiently waited 3+ months until my July App-O-Rama. As a reminder, I was approved for 3 out of 4 credit cards in my March App-O-Rama, including the American Express Gold Card, the US Bank Altitude Reserve Visa Signature Credit Card, and the Wells Fargo Business Platinum Credit Card. With those minimum spending requirements completed and the sign up bonuses redeemed, it was time to focus on these 5 credit cards. Here is a quick summary of my July App-O-Rama:
- Citi Premier Credit Card – instantly approved
- American Express Platinum Delta SkyMiles Credit Card – pending, then approved (I called AMEX and had to close an old card to open up a credit card slot)
- Barclay AAdvantage Aviator Business Credit Card – pending, then declined (too many recent inquiries)
- Banco Popular Avianca Vuela Credit Card – instantly approved
- Wells Fargo Propel World Credit Card – instantly approved (I called Wells Fargo to apply for this credit card over the phone)
Citi Premier Credit Card
I currently have a Citi Premier Credit Card that I have had for 4+ years, but I wanted to get another one since the sign up bonus is currently 60,000 Citi Thank You Points after spending $4,000 in 3 months. If I was approved for a second Citi Premier Credit Card, my plan was to downgrade/convert my old Citi Premier Credit Card into a Citi Rewards+ Credit Card.
Thankfully, I was instantly approved for this credit card.
I also received an email with the instant approval message.
American Express Platinum Delta SkyMiles Credit Card
I was originally planning on doing an AMEX self referral to the American Express Platinum Delta SkyMiles Credit Card, but due to the recent AMEX self referral crackdown, I used my Dad’s referral link instead (you’re welcome, Dad!). I have had a few Delta Gold (both personal and business) credit cards in the past, but never any of the premium Delta credit cards. This Delta credit card currently has a limited time increased sign up offer of 70,000 Delta SkyMiles after spending $3,000 in 3 months. There is also a $100 Delta statement credit if I make a Delta purchase in the first 3 months. There are also 10,000 MQMs, but since I am not a Delta elite or regular Delta flyer, I don’t care about those Delta MQMs.
After I submitted the application, I got a pending message. This is what I anticipated since I have several American Express personal and business credit cards.
I also received an email about the pending application.
A few hours later, I called American Express (reconsideration numbers) and was able to get this credit card approved by closing my existing American Express Hilton Honors Business Credit Card (the $95 annual fee was coming due in a few weeks and I wasn’t planning on keeping the credit card another year). Without even asking, the AMEX rep told me she would expedite the new Delta credit card to me. I also received this approval email after the call.
A few hours later, I received this cancellation email regarding my American Express Hilton Honors Business Credit Card.
Barclay AAdvantage Aviator Business Credit Card
I am not a big American Airlines flyer and haven’t flown AA or booked an AA award ticket in 1.5 years, but I figured I would try for this credit card. This credit card is currently offering 65,000 AA miles after spending $1,000 in 3 months and an extra 10,000 AA miles after an employee makes a purchase with their credit card.
Unfortunately, I got a pending decision.
I checked the online application status and found out that I was declined. I then called Barclays (reconsideration numbers) and asked about the denial. The rep said I had too many recent inquiries and there was no way to overturn the decision, even if I closed an existing Barclays credit card. That was a bummer.
Updated on 7/20/2019 at 8am: I just got my rejection letter from Barclays in the mail that states that my application was declined because of “excessive credit applications” and “the number of bankcards opened within the last 24 months.”
Banco Popular Avianca Vuela Credit Card
I had this credit card a few years ago from December 2016 to June 2017, so I decided to reapply. Last time I checked, the sign up bonus was only 40,000 LifeMiles, but luckily, the sign up bonus is now back up to 60,000 LifeMiles (40,000 LifeMiles after your first purchase and an extra 20,000 LifeMiles after spending $1,000 in 3 months), you just need to use promo code SB4060 during the application process.
I was instantly approved, but I forgot to take a screenshot of the page. I also got this email with a link to view the application status.
On the application status page, it shows I was approved.
Wells Fargo Propel World Credit Card
I have also had this credit card before, but decided to reapply. Unfortunately, there is no online sign up page, but Doctor of Credit has instructions regarding applying over the phone. The sign up bonus is 40,000 points after spending $3,000 in 3 months. You also get a $100 airline reimbursement and the $175 annual fee is waived the first year.
After spending 20 minutes on the phone with the Wells Fargo rep, I was instantly approved for the credit card. Here is the email I received after the call.
Here is how many points I will get after meeting the minimum spending requirements:
- Citi Premier Credit Card – 60,000 Citi Thank You Points – $4,000 in 3 months
- American Express Platinum Delta SkyMiles Credit Card – 70,000 Delta SkyMiles – $3,000 in 3 months
- Banco Popular Avianca Vuela Credit Card – 60,000 LifeMiles – $1,000 in 3 months
- Wells Fargo Propel World Credit Card – 40,000 Points – $3,000 in 3 months
All in all, I will get 230,000 miles/points after spending $11,000 in 3 months. All in a day’s work! If you have any questions about any of these credit cards or the application process, please leave a comment below. Have a great day everyone!