Glitch99 said:You are starting to push it, not really from a utilization perspective but from an actual balance perspective - $59k in unsecured debt against $108k income. As said previously, you are risking adverse action but most likely the 'inconvenience' kind; things that aggrivate but do no substantial harm. You could push a bit higher if you want, but be prepared to fight the consequences - but if you have the assets (the BT cash in your HYSA) to support the debt, you should be able get through it relatively unscathed.

Hmmm. In my first AOR about a year ago, I pulled out close to $100K in AOR money which exceeded my stated income by some margin and experienced no adverse effects whatsoever. No calls, no reduced credit lines, no AMEX FR, nothing. In fact, I've even cracked my AMEX's up by quite a bit, received a couple of unsolicited CLI's, and my credit scores are back over 700 even before I've paid off any of the remaining balances.

Just a different data point.

2Cor521

I rolled the dice and tried to BT to Chase Check card. I lost, but not too big - they showed it declined the same day on their website. I know others have had worse. I then BT'd to Citi with a 2k balance on it, and it went through fine. Hopefully your gamble pays off, or at least doesn't delay you too much.

markkundinger said:You could BT it to your generic BofA Platinum Plus card (free BTs, including direct deposit to checking account).
Wow. I missed that possibility entirely.

I think I get (part of) the concept now:

Do BankAtl BT to BofA (has the effect of paying off most of my earlier BT)
then
Do BofA BT to checking (for transferring into MMA or HYS)

Time for me to check and double-check that there will be no BofA BT fee at all.

To quote a wise FWFer: "Dayumn!"

The BofA payoff-refill approach worked great, although I did get a call from a nice BofA credit rep asking what I was doing ("paying off a loan"). It was a quick phone call, and there was no AA in the least.

Now on to Discover Biz (0% BT, 18 mos., $99 fee). They gave me a $4.5k CL, so I investigated the idea of reallocating $5.5k from my Discover More card ($10k, $3k BT expiring in a few months). All I really want to do is do a $10k BT to a HELOC, before (or after) writing a check to my Fido MMA.

Back in November, what they said led me to wait until December when More would be at least 6 mos. old. At that point I would ask for a CLI on More, then reallocate some of that CL to Discover Biz.

At any rate, I waited until Jan. A CSR told me that what I want to do should have been done within 60 days of opening the Biz card -- too late now. [Not that they ever told me that in the first place.] In addition, she said no dice on a CLI on either card.

My 8 months of experience with Discover has me thinking they are too fussy about too many things. What do you recommend for an approach:

-Try again, this time asking to speak with a senior person
-Discover reps tend to be like that, so just try another one and another one and...
-Forget it, it's a waste of time
-???

Glitch99 said:Not to sound abrasive, but what good is a sweet 18-month deal if you wait 3 months to take advantage of it? You should have paid off the More card, reallocated the entire line, and drawn $14.4k on the Biz account - all back in Nov. You would have been sitting here with ~$13.5k for another 15 months (plus interest collected off $14k for the past three months), instead of $10k (at most) for 15 months and $3k expiring soon.

And yes, that 60-day time for reallocating is standard. Dont know if calling again will get anywhere, but I guess it never hurts to ask.Glitch, your point is well taken. There's no question that I've dragged my heels on a couple of the BT offers. I'll keep calling.

Word to the A0R-wise: After pulling the trigger on your apps, plan on staying focused for quite a while...