Here & There – $100 off AA lounge membership, 1,000 free British Midland miles, and how much is too much?

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Here & There – $100 off AA lounge membership, 1,000 free British Midland miles, and how much is too much?

Million Mile SecretsHere & There – $100 off AA lounge membership, 1,000 free British Midland miles, and how much is too much?Million Mile Secrets Team

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 1.   $100 off American Airline lounge membership.  Million Mile Secrets reader Rajnish has very generously donated a $100 coupon code (ACDM1Q12) which will get you $100 off  an American Airline Admiral Club’s membership.  Thanks Rajnish!  Readers, please comment if you’ve used the code, so I can update the post!

2.   1,000 British Midland miles.  Via Lucky, complete a 5 minute survey for 1,000 British Midland miles.  The email with the survey was targeted, so you could end up with no miles.  But it does take only 5 minutes to complete!

If you don’t have a British Midland account, New Girl in the Air has a link to a 1,000 mile bonus for opening a new account online.

3.   How much is too much?  Via Frugal Travel Guy, a cautionary tale of not going overboard with credit card applicati0ns.  Granted, we don’t know all the details, but remember that your creditworthiness is very important.  It is possible to get lots of miles and points via credit card sign up bonuses, but remember that banks are under no obligation to extend us credit.

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I’ve never been a big fan of doing multiple CC applications on the same day. I know it works for many bloggers, but I think it can raise huge red flags when, for instance, Chase sees that you applied for tons of new credit from multiple banks on the same day. I have always spaced applications out, but have still done about 15-20 cards in the past couple of years (every application has been approved, and I only had to call for three of the cards, two of which were business cards where more info was needed about my business). I also just completed my third house refinance in that same time period, so I have tons of hard inquiries with all three bureaus (at last check, I believe I had over 20 inquiries with each of them). Anyways, I think folks may want to consider spacing their CC applications out — it might help you stay under the radar a little better.

That code totally works! Thanks!

In the last two months either you or one of the bloggers in The Boarding Area–maybe Mommy Points, referenced a similar story of a Chase churner who had his accounts frozen and provided a link to his tale in another writers blog. Do you recall that? Is this the same guy or another incident?

Million Mile Secrets

@David – I believe it was Frugal Travel Guy who wrote about it initially. I believe this is a separate incident.

@Lindsay Jones – Glad it worked and thanks Rajnish!

@N – I do 3 to 4 on the same day b/c it is easier to keep track for me. And I do space them out between the different credit bureaus.

Yes, E. Craig, I think that’s why all of us took a deep breath and shuddered. His story and dealings with Chase didn’t make any sense. Why didn’t they just say “no” to his most recent inquirey? Why did they backtrack and close all of his accounts? And several people wrote in who had many more cards than he. In fact all of these travel card blog writers have more cards than he did. It almost seemed like a vindictive customer service representative.

The frightening thing about his story was that it had no rhyme or reason.

Million Mile Secrets

@Simon – The Admiral’s Club are American Airline lounges or clubs where you can relax or get work done at airports in a separate nicer part of the airport.

@Rajnish – Thanks again for sharing the code!

– Nice to know. How long did it take for the miles to post?

@E Craig & E. Murphy– I suspect that the points in Chase’s Ultimate Rewards currency was lost, but there shouldn’t have been an impact on the other air or hotel points. I suspect there’s more to the story as well.

On the question of “how much is too much?”, it would be nice to have more of an answer. The whole concept of credit card churning would be defined as too much by many. In the original comment, it appeared that the credit score was not the problem–the customer had fine credit, just too many credit cards in Chase’s view. As a result, he lost all of his Chase credit cards in the blink of an eye. Did that mean he lost all of his unused, accumulated points? I assume it did.

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