If you request the checks, which you make out to yourself to get cash, wouldn't that be considered a "cash advance" and not a balance tranfer, and therefore a 3% fee would apply?

I apologize if this has been covered already, but I want to be 100% sure. How can I use this promotion to get cash without paying any fees?

ShakuniMama said:kriskos4 said:I tried to do a BT and was told I have to wait for a check unless I wanted to bt to another card.

Still waiting on the check, got approved about 3 weeks ago.

I thought you can do a "Balance Transfer" to your Debit Card linked to your Checking/Savings account. This can be done online once you can register your card.
Correct me if I am wrong.

What happen if let say you have BOTH a Checking and Saving account linked to one Debit Card. Which account will the BT funds appear? Anyone done it with a card with 2+ accounts?

According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

larryc said:According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

That's a myth ... I currently have five Citi personal cards, and one Citi business card.

choe said:DreamSun said:larryc said:According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

I have 4 active citi cards and still got my associatedbank card (5th one). So I really doubt the citi rule you mentioned above.

i currently have 5 citi cards and was approved instantly

I have 2 personal citi cards, 2 citi business cards, and was approved instantly as well for this. I believe citi's rule is you aren't able to apply for x number of cards within a one-year time span (or something like that where there's a time limit involved, and not just a flat-out rule for the number of cards you can have)

choe said:DreamSun said:larryc said:According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

I have 4 active citi cards and still got my associatedbank card (5th one). So I really doubt the citi rule you mentioned above.

i currently have 5 citi cards and was approved instantly

I have 9 personal Citi cards and 1 business Citi card. I am planning to apply for this card along with another Citi business card in the next couple of weeks. I don't expect to have any problem getting them. The limits I've heard deal with how many cards you can apply for at once. Usually 2 personal and 2 business (maybe also a Professional) Citi card within 60 or 90 days.

i got approved for 15k and did a 14k BT

for the BT, on the online form I put down my debit card (linked to checking) number and put down the address where I get my checking/savings statements from (linked account), i see the BT went through on associated bank website that says BT to HSBC credit card (which is my bank) However I do not see this amount transfered into my checking account yet...should i be worried? It's been about 2-3 days since the BT has been posted on associated bank..

I'm kinda new to this so did i mess up or should i not worry?

Applied and got an instant $15k, against which I took a $13.4k check. They mailed direct to me, and it went against my HELOC. Thanks for the great link.

eirek1234 said:The above posters are correct. Citi's policy is no more than 3 apps in 60 or 90 days, with no limit on cards, just on limits.

I think the limiting factor is your Household Income. You will have to re-allocate your credit line(s) in order to get your new card if you have already reached the maximum of credit line citi can offer you based on your HHI.

ShakuniMama said:eirek1234 said:The above posters are correct. Citi's policy is no more than 3 apps in 60 or 90 days, with no limit on cards, just on limits.

I think the limiting factor is your Household Income. You will have to re-allocate your credit line(s) in order to get your new card if you have already reached the maximum of credit line citi can offer you based on your HHI.

While that is somewhat true, I've had numerous issuers(BofA comes to mind most of all) tell me that I'm at my max based on my HHI, then a month later give me a new $20k card and a $10k CLI with no increase in HHI. So Definitely YMMV.