Wow! That's a lot of credit cards huh? Well don't be surprised because that's not even half of my
collection. And don't be jealous because you too can have too many credit cards to count one day.
With the right preparation and research, you will soon be on your way to earning an extra $500 or
more per month off interest! Already think you know the basics? Check out our App-O-Rama tips!

Here are the basics:

1. Find a bunch of credit cards that have introductory 0% APR offers on balance transfers.
2. Also look for credit cards that will give you some kind of points or bonus when you sign up.
   • Example: The AMEX Gold Card gives you 10,000 points redeemable for a $100 gift card.
3. Then you apply for all of them in one day, usually around 20 credit cards.
4. Take the new credit lines you were hopefully approved for and place them in:
   • high-yield saving accounts
   • CDs
   • reward checking accounts
5. Sit back and watch your money earn 2-7% interest.
6. Don't forget to pay the minimum payments on your credit card!

Where it gets complicated:

• You should only try doing an AOR if you have a high credit score to anticipate good results.
• Credit scores under 700, forget about it, do your research and prepare until your score improves.
• Find credit cards that have capped balance transfer fees. Uncapped offers aren't worth it.
  • Example: Issuers usually charge 3% of the BT amount with a $5 min. and $99 max.
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Think you've got it? Check out our tips section for more advice on how to launch a successful AOR!