scripta said:excellent thread.

One more thing I'd be interested in seeing is whether the issuers report to the credit bureaus on a regular basis even if there was no activity / no statement generated.


This indeed is a good idea. personally the only cards ive never seen that aren't reported monthly are storeish cards like my Bestbuy CC and Dell DPA, all other major banks I got report monthly tho

nonchalant said:Anyone have any luck recently w/ chase BT'ing to checking accts?Yes, I just got a Chase Sony card. Called up CS and they were able to do a BT right to my DCU checking account over the phone with no problem.

Great idea to centralize info. Probably should put a link in the Forum FAQ.

nonchalant, I think that is a common confusion. Although of course it is specific to each promotion, generally I have seen that the 0% BT fee applies ONLY to the initial one submitted with the application (and thus the reason many call to do the BT the way they want when they open the card).

SweetCash said:I have reallocated some credit from a Citi AT&T Universal Rewards card to a Citi Simplicity Rewards. Both cards have the 0% BT available for the first 12 months, out of which only about 6 months have passed. To my surprise, after the reallocation, when I try to do a BT online on the Simplicity card, I see "There are no offers available online at this time." After speaking to a CS rep and her manager, they both confirmed there are no BT offers available at this time for my Simplicity card. And although this contradicts the initial terms when I opened the account, they said they can't do anything about it.

Did something similar happened to somebody else, or is this a new glitch in their system?
Any advice on how to still do a BT on the Simplicity card is appreciated.

P.S. Before the credit reallocation, I DID have the 0% BT offer on the Simplicity card online.I would continue up the management chain until this is resolved. Failing that, you may want to put the CL back on the AT&T card & do the BT on that, since that is supposed to have the same BT offer.

golf247 said:Another question about BT checks. If married and each person has individual bank accounts, can you write a BT check to spouse and bypass cash advance fees (independent of CC issuer)?

My wife was able to make a BT check out to me from her BoA card. It was treated as a regular BT.

on my Chase Platinum Visa (7.99% fixed) I can do balance transfers online:

6.99% Fixed APR until the balance is paid in full with no transfer fee. (Respond by: 7/31/06)
4.99% Fixed APR until the balance is paid in full. (Respond by: 7/31/06)
0% Fixed APR until the first day of your billing cycle that includes 12/1/06. (Respond by: 7/31/06)
5.99% Fixed APR until the balance is paid in full with no transfer fee. (Respond by: 8/31/06)
3.99% Fixed APR until the balance is paid in full. (Respond by: 8/31/06)
0.99% Fixed APR until the first day of your billing cycle that includes 1/1/07. (Respond by: 8/31/06)

unfortunately, I have a little bit of a balance i'm paying off, so it may not be wise for me to take advantage of any of these offers

Can we add "credit reporting agency" to the list? Or is it not always the same?

I called Chase yesterday to reallocate credit lines (I actually have 3 or 4 lines I want to combine), and upon attempting the first one, the CSR said that I needed to call back between 7-10est to speak to their credit dept. I've allocated lines with them before with no problems.

Anyone have any idea what would cause this?

I recently opened 3 accounts with Chase (1 biz, 2 personal)...would that have an impact?

dustin72 said:I called Chase yesterday to reallocate credit lines (I actually have 3 or 4 lines I want to combine), and upon attempting the first one, the CSR said that I needed to call back between 7-10est to speak to their credit dept. I've allocated lines with them before with no problems.

When I got my first two Chase cards, I called for a CLI on one of them before activating. I let the CSR talk me into a reallocation instead. A few days later, I decided to reverse the reallocation and CLI as I originally intended. The CSR lowered the CL on the card I reallocated to, and then told me he couldn't put it on the card it originally came from. OK, then put it back on the card you just took it from. "I can't do that either, the system won't let me. Did you already do this recently?" The problem was that I hadn't waited long enough between reallocations. The credit department fixed it for me the next day.

EDIT: Nevermind. I found what I needed.

Do we have a list that notes which CRA each issuer gets its reports from when you apply for new accounts? I'm currently loaded up on Experian and Transunion pulls, so I'm looking for an issuer that pulls Equifax reports (other than AMEX). If we don't have that info in any one place, I can start updating the Quick Summary from the pulls on my credit report.