excellent thread.

The quick summary in the locked citicardman's thread says there is no limit for the number of citi cards.

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.

And to reply to moledude and aFewGoodMan -- AMEX does have a timeline between credit increases. It's between 1 and 2 months, until you reach some top number (from personal experience). And I agree on on the best time to request CLI -- after you receive a statement.

For BoA , I just call the number on the back of my card and press 0 and I got a CSR.

bump

Regarding writing a check to yourself:

I did BofA no-fee 0% BT several times. I deposited the checks to my BofA checking account four times, send to Scottrade to fund my ROTH, and paid property tax. None of those counted as cash advance.

The BT checks were sent to me in a promo letters. The letters specifically say:
"Use this check to eliminate other high-rate balances, like loans and credit card payments. Or use them like your personal check. You can also get cash by depositing them into your bank account. Best of all, there are no balance transfer fees or check fees with this offer!"

Never use the option to do BT online, although the letters say it can be done @ EasyBT dot com.

chase usually deducts $500 when you combine consolidate credit cards.

It would be nice if this thread were expanded to include information about how much you can make off each card's "special offers" over the course of a year. I have some cards I've never gotten a special offer from, while others have been very productive. This thread seems to be the logical place for such info.

s0meguy said:I was able to BT electronically to checking account with Chase (Chase Perfectcard) in March 2005

I tried to last night and was told card had to be open for 90 days before they would do it, otherwise have to use checks.

PITA point - I received new cards with great Balance Transfer option, but no checks to be able to implement. I had to call and request them.

What does the "BT to checking refer" to? I ask because I have been successful writing out Bank of Amreica checks to myself and depositing them into my checking account. The same is true with my Chase cards. I have also called and had a Chase CSR BT transfer straight to my checking account, once was an electronic transfer and the other they mailed the check to my credit union. I would think these instances would mean that "BT to checking" should be YES for both of these companies.

Excellent thread.
Has OP updated his info?

byex0039 said:What does the "BT to checking refer" to? I ask because I have been successful writing out Bank of Amreica checks to myself and depositing them into my checking account. The same is true with my Chase cards. I have also called and had a Chase CSR BT transfer straight to my checking account, once was an electronic transfer and the other they mailed the check to my credit union. I would think these instances would mean that "BT to checking" should be YES for both of these companies.

BT to checking refers to the credit card company electronicly transfering money directly to your checking account and thus avoiding the sometimes lengthly holding periods.

YMMV with Chase allowing BT to checking.