- Approved for all cards...yeah.

- I received an email from US Bank letting me know I was not approved for the Baylor card. I called the credit (status) department to find out why and was told that they generally only approve one application in a given time period...they like to track the history with them before being approved for other cards...and, I was given a line of $15k on the NWA card, which should be sufficient. To that last point, I asked if I could use some of the CL from the NWA card to get the Baylor card approved...and she said I could...nice. She told me they like to leave at least $5k on the NWA card since it's their signature card. So, she put $10k on the Baylor card and even processed a BT for me at the same time.

- Since I don't really have any prior BTs that I need to pay off, I plan on using the BoA Platinum Plus card as a clearing house for BTs from other cards that won't issue checks (like the Baylor card). It should work out nicely since there's no BT fee on the BoA card and I can continue to make transfers from it to my checking account.

- I noticed a new inquiry from Discover on my TU report...turns out they pulled my report again when CLR'ing between my cards, even though the rep told me they wouldn't have to. I called TU, but they said they don't touch/dispute inquiries and I have to work that out with the inquiring company. So, after the runaround from two CSRs, I finally got a nice rep that offered to talk to her supervisor. She came back and said her supervisor would take care of removing that inquiry for me. She also told me that the previous rep was incorrect about the hard inquiry. She said that since the process to CLR with a new card is basically a CLI, they may or may not pull the report.

djspray said:Nice persuasion with US Bank. Now that CSR gets her BT commission, too. Everyone wins.

Yeah, I wonder whether I could've gotten a higher overall limit if I'd mentioned the BT plans first.

BTW, I forgot to mention that I received the standard 3 check welcome package from Associated Bank. I know there was some question as to whether this still happens based on Rorer's experience and response in Mike's thread.

ahself said:I plan on using the BoA Platinum Plus card as a clearing house for BTs from other cards that won't issue checks (like the Baylor card). It should work out nicely since there's no BT fee on the BoA card and I can continue to make transfers from it to my checking account.

Sorry for the nooby question -- when you BT from BoA cc to BoA checking, do you do it by phone or on the website ("transfers" same as between checking and savings)? I can't tell if the online method would be considered cash advance. Thanks.

- I'm currently CLR'ing between a few cards, between my Chase Business cards and between my Juniper I Fly America and Bank Atlantic cards.

- Question: Any suggestions on how I should handle the new CitiBiz TYP card wrt CLR'ing? I have the $20k CL on the old CitiBiz TYP card and the $50k CL on the CitiProf card. I'm not sure whether I should consolidate the two CitiBiz cards and move CL from the CitiProf, or just CLR from each card, or just from one card, etc. I want to take advantage of the CL's I have, but want to tread somewhat lightly with Citi as well.

- I've already BT'd over $97k and it looks like I'll be able to BT ~$200k overall while still keeping my overall personal utilization below 50% and no card over 90%.

- BTW, on my application for WAMU, I put my debit card number in for a BT request since I didn't actually have a card to BT from at the time. I called WAMU to find out the BT status and was told they weren't able to BT electronically, so they mailed a check to BoA. I'm curious if it will go through since it may appear as a payment to my debit card.

cyberkost said:Re: above -- this is exactly what happened to me 17 months ago. IIRC, I did not even have to provide WAMU with the address of my bank... The BT money they sent just appeared in my checking account, though it took a bit longer than it would have taken had it been fully electronic transaction.

Sure enough, a $25k credit appeared on my BoA online account statement. I called and verified it was a teller deposit of a check from WAMU. Nice. The only downside is that the teller placed a 7 day hold on half and a 10 day hold on the other half.

- I deposited a few more BT checks and am now up over $157k in BTs processed.

- I called National City this morning to request a BT check be sent to myself. A few hours later I got a "courtesy" call from a National City rep asking if I'd like to take advantage of my 0% BT offer. After telling him that I'd just made a BT request this morning, he asked if I'd like to increase my CL so that I could BT more money, e.g. another check to myself. He said he'd just call down to the credit department and ask them to up my CL, e.g. by $5k. I considered it for a second, but then passed after remembering the conversations I'd had with their credit department recently (mentioned above). I just thought it was interesting how willing they are to get BTs done.

I've been trying to avoid asking the question, because I'm sure I'm missing something, but: Doesn't your BoA card have an uncapped 3% BT fee? That seems to be true of all the cards I can find from them (save NEA and PetRewards), and I just talked to a BoA person who said yes, all other BoA cards have the 3% uncapped fee. When I used BoA for my AOR 1.0 last year there wasn't any such thing, and I used it as my personal little clearing house like I've seen others do, but what am I missing here? I followed the link for your BoA card and it looked like an uncapped 3% fee?

Pangloss1980 said:I followed the link for your BoA card and it looked like an uncapped 3% fee?

Like muratk said, it states "Standard Balance Transfer Fee: None." in the second box. I'm using it as a clearing house as well for those cards that don't have convenience checks. Maybe you were looking at the Cash Advance Fee when you saw 3% uncapped.