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Avoiding AA

Established Contributor

Avoiding AA

As many have seen in my previous post I have 11 new accounts in the span of a few months. Some of the approvals are not what I was looking for. The question is should I close some of those accounts to avoid AA from the accounts that I want. Two cards come to mind that I really dont want, the Barclays Apple card and the BofA Amex the limits dont do anything for me. So what do you gusy think.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Message 1 of 16
15 REPLIES
Regular Contributor

Re: Avoiding AA

I'm curious too. From reading I understand that AA isn't as common as people think it is but because you only hear about AA when it happens it seems like it happens more often. From my understanding it seems to happen more with certain banks such as Barclays and Amex and less so with others.

 

I have opened 8 cards in the past month and I'm also a bit worried myself. To be safe, I charged some items on the cards and PIF within a week. I don't know if that will help avoid the AA, but hope it helps if I do get some limits reduced or worse.

 

I wish you luck man.

 

 




Message 2 of 16
Established Contributor

Re: Avoiding AA

The only thing that I am worried about is Barclays taking AA, I dont really care about the card and it starting a domino effect for cards that I do want to keep. Im thinking as long as your Utility does not go through the roof we should be fine, but like anything in life its a crapshoot

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

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Message 3 of 16
Valued Contributor

Re: Avoiding AA


dodgeball wrote:   

Hey, sorry to hijack but I noticed the USAA World MC in your sig;  Did you ask for that specifically, or did they upgrade a cash rewards card for you?  As you can see, DW has me as an AU on a Platinum and I'm curious.  

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 4 of 16
Established Contributor

Re: Avoiding AA

I apped for the World MC 

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

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Message 5 of 16
Valued Contributor

Re: Avoiding AA


dodgeball wrote:

I apped for the World MC 


Thanks...  Do you know if USAA ever does PC?

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 6 of 16
Established Contributor

Re: Avoiding AA

Im not 100% sure but I think I have read that they do

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









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Message 7 of 16
Senior Contributor

Re: Avoiding AA


dodgeball wrote:

As many have seen in my previous post I have 11 new accounts in the span of a few months. Some of the approvals are not what I was looking for. The question is should I close some of those accounts to avoid AA from the accounts that I want. Two cards come to mind that I really dont want, the Barclays Apple card and the BofA Amex the limits dont do anything for me. So what do you gusy think.


In late 2010/early 2011 I opened a string of accounts and saw no AA from any bank.

 

The two that you're debating closing are the two that are mostly like to take AA anyway, so I suggest you do nothing and quit worrying.  Smiley Happy



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 8 of 16
Senior Contributor

Re: Avoiding AA

Don't close any! Just be careful and don't let your util creep up! Run your credit like a business!

I think I mentioned AA in your other post. I wasn't trying to scare...just letting you know.

Personally, Ive opened 4-5 accts at once and saw nothing, but I made sure to pif the first 3-6 months!
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Message 9 of 16
Established Contributor

Re: Avoiding AA

I've heard Barclay's is new account sensitive but is Amex that way too?

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Message 10 of 16