f*********e
发帖数: 27 | 1 I know BT stands for Balance Transfer. But what does AOR mean? Thanks.
ZT:
First-time AOR - 4/10/07 - over $238.5K so far in new cc credit! $300K+
total
Hello,
I've been following this site for a short while, and have been most
interested in this AOR/BT technique. I'm undergoing extreme financial
changes in my life and felt this was the best time to take advantage of this
. I also run a small business. I found that I reached my 'personal pinnacle'
of 750-760 credit scores. I am 25 years old and |
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f*********e
发帖数: 27 | 2 Got the answer:
An App-O-Rama Primer: How to Profit from Credit Card Offers
Monday, November 13th, 2006
An App-O-Rama (also known as an “AoR,” or stoozing if you’re in the UK),
simply put, is when you apply for many credit cards at once to take
advantage of their signup bonuses and introductory balance transfer offers.
If you have good credit, you can easily make thousands of dollars from this
technique, with very little real effort.
Today, I’ll step through the process at a high-level. Please n |
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z****l
发帖数: 5282 | 3 ☆─────────────────────────────────────☆
flyingdragon (flyingdragon) 于 (Sun Jan 20 23:48:16 2008) 提到:
今天下午搞了个mini AOR, 申了两张citi, 3张chase，同时网上citi 两张卡 CLI
预计citi, chase 各一Equifax hard.
一看，好家伙5个hard.
CITI USA 01/20/2008 Equifax
CITI 01/20/2008 Equifax
CHASE 01/20/2008 Equifax
CITI 01/20/2008 Equifax
FIRST USA 01/20/2008 Equifax
☆─────────────────────────────────────☆
jebel (I still have a dream) 于 (Sun Jan 20 23:53:17 2008) 提到:
hard到底意思？
俺都呆n久了，也不 |
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z****l
发帖数: 5282 | 4 ☆─────────────────────────────────────☆
Pumba (Hakuna Matata) 于 (Tue Jan 22 23:20:58 2008) 提到:
申请前的分数是702,申请后是665
申请了8张卡,批了7张,据了一张,不过都是烂卡
BOA Cash Reward 10k
ChaseFreedom 5k
chase Cash Rewards 3k
HSBC 2% 2k
Amex Blue 2k
Amex blue cash 5k
WAMU Plat Master 3k 15month 0% APR
☆─────────────────────────────────────☆
cccsss (老虎西瓜~) 于 (Tue Jan 22 23:28:28 2008) 提到:
爽啊 多久的历史？
☆─────────────────────────────────────☆
qqjf (qqjf) 于 (Tue Jan 22 23:31:17 2008) 提到:
土问什么叫mini aor？
爽啊 多久的历史？ |
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p****x
发帖数: 4260 | 5 ☆─────────────────────────────────────☆
flyingdragon (flyingdragon) 于 (Sat Feb 16 23:56:28 2008) 提到:
citi professional 15k
citi cashretunrns 7.3k
citi online CLI 1k to 16.75k
citi online CLI 2.6k to 16.75k
chase freedom 10k
chase visa 10.9k
chase visa 15k
citi online CLI 来信和我要W2, 后来寄去银行statement, request 25k 批了16.75k
☆─────────────────────────────────────☆
flyingdragon (flyingdragon) 于 (Sun Jan 20 23:48:16 2008) 提到:
今天下午搞了个mini AOR, 申了两张citi, 3张chase，同时网上citi 两张卡 CLI
预计citi, chase 各一Equifax |
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l*****1
发帖数: 540 | 6 去年10月开始的信用记录，目前六张卡（7 applied， barclay arrival declined）：
Discover， Citi Forward，Amex BCE（$150），Amex Gold Delta（45k），US
Airways（35k），Priority Club（80k）。
遗憾的是， barclay应该先申arrival，可能会批。。想为holiday cruise做准备。下
一轮AOR明年初吧，看看UA和CSP能否申上，买回国机票。period。 |
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y****i
发帖数: 17878 | 7 did round 3 of triple-card AOR of the year on Monday
1. Chase IHG Rewards Club Select Credit Card - 80,000 points
original plan was to get another Chase Ink Plus, but chickened out at the
last minute because I already got Ink Bold and United Biz this year. applied
for Chase IHG instead, for a targeted 80,000 pts offer. turned out to be a
wise decision. even though it was approved instantly, but was given a
miserable $2,500 CL, the lowest in years. may give Chase a long break and go
after the Ink... 阅读全帖 |
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g*******5
发帖数: 3887 | 9 到了２月分一直没有开壶，想开贴问老兄AOR，
全部照搬，那些卡我一个都没有。 |
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Y****a
发帖数: 796 | 10 只搞了两张卡。
citi prestige 50k/3k spend, 准备开citigold拿回100 年费。
Amex business gold, 75k/5kspend.
被chase吓到了不敢乱开酒店卡和其他银行卡，准备屯些人品年底开southwest.
AOR: Apply-O-Rama.App-O-Rama refers to a strategy of completing multiple
credit account applications in a relatively short period of time.
https://en.wikipedia.org/wiki/App-o-rama |
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m*******7
发帖数: 318 | 14 请教一下最近有什么好的AOR推荐
刚closing了房子嘿嘿手上没几个包子给大家发一下吧 |
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y****i
发帖数: 17878 | 15 strictly speaking not AOR since the applications were scattered in the past
6 weeks or so
this is it for 2015, unless there is an exceptional offer coming up between
now and the end of the year
1. Citi AT&T - $650
2. CNB Crystal visa infinite - $1,000 + $250 x 3 airline credit, this card
is actually a keeper, recently added 3 x grocery
3. AMEX Green - 25,000 MR points
4. AMEX Gold - 25,000 MR points
5. Barclays Hawaiian Airlines - 50,000 miles |
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h****s
发帖数: 16779 | 16 gxgxgx
[在 yudeli (余德利) 的大作中提到：]
：strictly speaking not AOR since the applications were scattered in the
past 6 weeks or so
：
：........... |
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f*****w
发帖数: 1451 | 17 又相继查了一些文献，目前有趋势说elective c section 减少孕妇和胎儿风险，比如
这篇：
Comparison of Cesarean Section versus Vaginal Delivery for Postpartum
Complications by Type of Delivery in the Ohio Medicaid Population
中说：
There were 152,380 vaginal deliveries and 33,811 C-sections, with a C-
section rate of 18.2% during the study period. The prevalence of obstetrical
trauma was 4.88% among women with vaginal delivery, compared to 0.46% in
the C-section group (Adjusted Odds Ratio associated with C-section (AOR)=0.
10, p<0.001... 阅读全帖 |
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l***h
发帖数: 9308 | 18 670-750是为了搞AOR，把先前的BT还清。
750到670，是因为搞了AOR，其CK当时的670不准确，实际同期WaMu给出的transunion是
615 |
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n*******y
发帖数: 3337 | 19 发信人: newjersey (NJ furniture dealer), 信区: EasyMoney
标 题: Re: chase关卡
发信站: BBS 未名空间站 (Wed Apr 2 14:05:43 2014, 美东)
Yesterday, 5:45 pm #160
mintcilantro
Join Date: Nov 2011
Location: SFO/SJC
Programs: UA Gold, HHonors Gold, Club Carlson Gold
Posts: 517
My total MO deposits to chase are no more than 5k total. I used other
accounts for depositing MO. I would only deposit to Chase in case i was
going to have a shortfall for an upcoming payment and the deposits were done
at ATM. My cash dep... 阅读全帖 |
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发帖数: 1 | 20 前几天发了一个关于怎么去加拿大找工作的帖子 https://www.mitbbs.com/article_t0
/Immigration/33881469.html, 结果发完之后就看到朋友圈里, 一个搞移民咨询的人说
最近加拿大移民变得简单一点, 因为他们这个基于评分制的移民系统, Express Entry,
最近录取的分数很低, 所以我也突然想起来, 要是这样的话, 如果h1b没抽到, 想去加
拿大找工作, 或者被internal transfer到加拿大的, 其实都可以试试直接申请加国枫
叶卡也就是永久居民. 正好也有同学问我申请枫叶卡的流程, 我寻思那我赶紧把这事说
说吧.
不jb废话了, 赶紧开始!
加拿大申请枫叶卡特点:
移民加拿大, 对于论坛里绝大多数也就是美国留学生来说, 只能走Express Entry(EE),
因为这个项目没有要求你有任何的在加国的居住时间, 而且顾名思义, 这个也是最快
拿到枫叶卡的方式. 今天说的这些都是关于这个EE的, 我自己也是通过EE拿的枫叶卡,
所以别的流程我也不是特别清楚, 如果你感兴趣, 给我留个言, 我回头找别人问问. 这
个E... 阅读全帖 |
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a**n
发帖数: 2994 | 22 很多人惊叹舔党五毛共X的大哥司马南如何会有如此强大的
变脸能力，其实不奇怪，请现场观赏大师的表演
司马南被拒玛莎拉蒂展馆外精彩一幕
1分29秒变脸，司马南用一堆阴谋论痛批一顿，见了玛莎拉蒂设计师，忽媚态万千，巧
言-令色，欢乐舔菊，并批国产车。没想到设计师说他们也设计国产车，这一巴掌矮油~
最后，-司马南又来一句。。。周围的人都hold不住了~
https://www.youtube.com/watch?v=aoR-3qkFZ1E |
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s******d
发帖数: 9806 | 23 补给舰当然要跟着舰队移动，主要区别是舰队移动速度。美帝和我鳖有航母，天然要求
补给舰要快，要不然吃饱了撑的给补给舰装燃气轮机？这类补给舰叫AOE；其他国家海
军没这个需求，一般舰队就是不到二十节的速度，所以AOR也只要求这个航速。 |
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g**1
发帖数: 10330 | 24 長榮內部調查！逼空姐擦屁股洋男 去年就曾要求擦屁股
分享分享留言列印
A-A+
2019-01-26 19:03聯合報 記者侯俐安╱即時報導
長榮空服員遭目視約200公斤的白人男子要求「脫褲子、擦屁股」，桃園市空服員職業
工會本周陪當事人出面說明事發經過，並表示組員多次回報該男子脫序行徑，認為長榮
「黑名單」拒載功能失靈，長榮當時發布聲明指旅客搭機20次，僅去年曾有一次要求空
服員協助如廁。
長榮航空空服標準部本月23日發函給空服員的信函，提及有四筆報告。包含去年5月就
曾提出要求協助擦拭臀部，但空服員僅協助移動至商務艙並拒絕擦拭臀部；另也曾要求
泰籍空服清洗尿壺、蓄意打翻飲料到前胸要求空服擦拭。信函也寫道，乘客若有無理要
求，組員只要遵循規範，該拒絕就拒絕，過去不曾因為組員拒絕就責難、未來也不會。
信函寫到，經由此事件發現彼此認知有差距，「當我們知道此事件，公司經由教官、課
長致電關心組員，但同時擔心過多的打擾會造成組員壓力；之後從媒體看到照片，我們
詢問拍照的時機及情況，這絕非質問或責難，而是AOR規範乘客不得就坐組員座位，標
準部必須向民航局報備此狀況。遺憾的是被媒體解讀為公司冷... 阅读全帖 |
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m******n
发帖数: 6327 | 25 My friends, 你想学习Obama吗？
让我们从Orama做起
Orama 全称 Application-O-Rama，简称 AOR，
根据名字不写全的惯例，就叫Orama
Obama总统成功的经验可以总结成8条，
也是Orama的8步
1 未雨绸缪
Obama当选参议员的第一天就准备当总统
做Orama,
首先检查你所有的信用卡，关掉不用的，
最好一个银行只留一个，
关卡的时候要注意，不要简单地关掉，
要让银行把信用额转到同一银行的其他信用卡上去
2 利用信用
Obama当州议员时一篇反战宣言的反复运用，
到竞选资金接受礼品卡捐款
Orama前最好检查一下自己的信用，
不要有过期、有争议的记录等等,
因为接下来信用可以变成钱
3 多方筹措
Obama见加州人说加州话，见宾州人说宾州话
只要能拿到赞助
Orama这一步最关键，
在网络上找到各种信用卡申请的link，
要找那种0% APR，Balance Transfer（BT） Fee 为0 或者有上限的，
APR高，但是没有BT Fee的也是好东东
信用卡新开户拿bonus的当然不要错过
然后和选举拉捐款拉票一样
在短时间内 |
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l*******s
发帖数: 3562 | 27 NSF Career, DoE Career, AFOSR YIP, ONR YIP, AOR YIP少一个，都是不完整的
Faculty |
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l*******s
发帖数: 3562 | 28 NSF Career, DoE Career, AFOSR YIP, ONR YIP, AOR YIP少一个，都是不完整的
Faculty |
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m***i
发帖数: 166 | 29
因为PO第一封信说要30-45天才能出，我就傻傻的等到40天的时候去看，发现实际上出
分后一周就有summary statement了 -_-|||
今天收到PO的信：Please send me a revised Plan for Instruction in the
Responsible Conduct of Research (PDF) (through your AOR/ signing official)
in November.
所以应该不用为RCR专门resubmit，松了一口气
谢谢你的建议 |
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t********9
发帖数: 536 | 30 更新的NIH通知：
Reminders and Updates: NIH Policy on Post-Submission Application Materials
Notice Number: NOT-OD-13-030
Key Dates
Release Date: January 29, 2013
Related Announcements
NOT-OD-13-013
NOT-OD-12-141
NOT-OD-12-111
NOT-OD-10-115
Issued by
National Institutes of Health (NIH)
Purpose
This Notice serves to update the NIH policy on post-submission application
materials issued in NOT-OD-10-115. Since the policy was issued, questions
have arisen concerning:
•News of promotions and positiv... 阅读全帖 |
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t**e
发帖数: 1805 | 31 It looks to me you already had a brown coat. If not, Yes! No need to repaint
. The color will be added to the finish coat. Hua means scratch by the
surface fast and leave an uneven layer of stucco, which is both the last
coat and your texture. The ket to perform this thing is to put a thin layer
on the tool, whichever you use, strach it evenly and fast. You may want to
scratch the whole wall so they match. I hear people spray stucco, but I have
never done it before. I guess it is like spray tex... 阅读全帖 |
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y*****a
发帖数: 580 | 32 1. bt/aor:
http://www.fatwallet.com/t/52/632935/
2. apr for saving/chcking:
http://www.fatwallet.com/t/52/437553/
almost answer all the questions, except cc application bonus. (there is a
thread, but not good.)
From my experience:
(1) BOA mma is good, if you have chking as well with boa, and careful enough.
(2) citi is best in bt, because perks in application, bt, credit protector
(3) boa is the next in bt, because of perks of application, and bt
(4) amex is the best to be the denominator
(5) ch |
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y*****a
发帖数: 580 | 33 1. Look at the cards you already have, who are the issuers and what are the
CLs. (after soft CLI)
They are preferred because even if you have a low cl in your aor, you can
relocate (when available) cl to the new cards. -- so check which issuers
are able to relocate your cl between cards, and what are the limitation.
Usually citi/boa/chase/amex allow you to relocate. discover not, and hsbc
only one cards. check by yourself on fwf about cap1, etc.
2. citi/boa are more preferable, because they |
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a******g
发帖数: 1538 | 35 本来是个excel table,申卡的时候自己留作记录的。 现在看到很多人问0%apr的卡，我
就把它贴在下面。
## Bank Card APR% Period BT fee Bonus Condition
Annual fee Apply Date CL BTed Note
1 BOA NEA World Points 0 12M $30 03/10/08
$34,900 $34,900
2 BOA Nat'l Edu Asso.AmEx 0 12M $30 03/10/08
$2,000 $0
4 Chase Sony 0 12M $99 1500 points 1P 03/10/08
$44,500 $44,300
3 Chase United Mileage V |
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T*P
发帖数: 2697 | 36 ☆─────────────────────────────────────☆
abulldog (很好很强大) 于 (Fri Apr 11 19:25:52 2008) 提到:
本来是个excel table,申卡的时候自己留作记录的。 现在看到很多人问0%apr的卡，我
就把它贴在下面。
## Bank Card APR% Period BT fee Bonus Condition
Annual fee Apply Date CL BTed Note
1 BOA NEA World Points 0 12M $30 03/10/08
$34,900 $34,900
2 BOA Nat'l Edu Asso.AmEx 0 12M $30 03/10/08
$2,000 $0
4 Chase Sony 0 12M $9 |
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a******g
发帖数: 1538 | 40 嗯，又读了一遍。 现在请你也再读读。
1. You do nothing, 一年之后拿到$1m
2. 倒腾一下，一年赚4钱。 这点伎俩是板上搞过AOR BT的天生本能啊
第二个例子，关键还是那个jew能一个周末就找到愿意出高价的下家。 只要能找到这样
的下家，银行周末开不开门一点都不重要，何必不用信用卡进货呢？还能多赚2% |
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p****x
发帖数: 4260 | 41 ☆─────────────────────────────────────☆
AoaoBear (嗷嗷熊) 于 (Mon Apr 4 14:00:54 2011, 美东) 提到:
貌似中标了，所有卡都给close，包括菜药油5%的cash rewards plus，新申的
continental，常
在河边走啊。
☆─────────────────────────────────────☆
CASI0 (CASIO) 于 (Mon Apr 4 14:42:38 2011, 美东) 提到:
LZ都干什么事了？
☆─────────────────────────────────────☆
kaylaxu (kayla) 于 (Mon Apr 4 14:47:19 2011, 美东) 提到:
coask
☆─────────────────────────────────────☆
AoaoBear (嗷嗷熊) 于 (Mon Apr 4 16:11:47 2011, 美东) 提到:
没干啥，正常使用，弄了航空公司miles而已，大家都在... 阅读全帖 |
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l***h
发帖数: 9308 | 42 这个当年搞AOR的都清楚啊。一个月内同类型的硬拉，只算一次，比如信用卡、保险、
房贷、车贷、租房。
但具体如何合并不太清楚，比如所有信用卡硬拉在一家信用局之内合并肯定没问题，但
估计不太可能把3家信用局都合并到一家去，这就是大家对crap1的不忿
service |
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y****i
发帖数: 17878 | 45 you had the guts //hehe
I did my new round of mini AOR last week - Arrival, Hyatt, and Citi AA Biz
MC, all got approved today.
cheers
过的 |
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l*****1
发帖数: 540 | 46 keep 7 (some are no AF cards), close 6 (or try to ask for some retention
offer; churn some cards, especially citi and barclays).
3 AORs per year. |
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n*******y
发帖数: 3337 | 47 发信人: newjersey (NJ furniture dealer), 信区: EasyMoney
标 题: Re: chase关卡
发信站: BBS 未名空间站 (Wed Apr 2 14:08:47 2014, 美东)
Yesterday, 11:56 pm #166
mintcilantro
Join Date: Nov 2011
Location: SFO/SJC
Programs: UA Gold, HHonors Gold, Club Carlson Gold
Posts: 517
.
Quote:
Originally Posted by UA Fan View Post
With whom? What do you mean by the bolded?
Aor in early jan had these five cards:
chase fairmont
citi hilton reserve
us bank carlson biz
amex blue
barclays arrival
However the citi aa 100k c... 阅读全帖 |
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n*******y
发帖数: 3337 | 48 发信人: newjersey (NJ furniture dealer), 信区: EasyMoney
标 题: Re: chase关卡
发信站: BBS 未名空间站 (Fri Apr 4 11:55:41 2014, 美东)
Yesterday, 3:52 pm #191
thehawk75
Join Date: May 2008
Programs: AA GLD 1.86MM, SPG GLD, PC PLT, HH DMD
Posts: 1,874
What irks me on this whole thing is, aside for a few GC's at OM during their
promotions (when I could even find any on the shelves), is I haven't even
done any AOR with Chase in nearly 2 years. I've actually paid AF on the
Marriott, IHG, IB/IP cards too.
... 阅读全帖 |
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y****i
发帖数: 17878 | 49 by the way, Wells Fargo pulled TU in California, same as Barclays.
round #2:
Citi AA Executive MC 100,000 miles (second card)
BofA Alaska Airlines 40,000 miles
Chase UA business 50,000 miles
round #1:
Chase Ink Bold - 50,000 UR pts
Barclaycard Arrival - $440 travel $
Citi AA Executive MC - 100,000 miles |
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