Your choice of words is confusing the matter so let's at least get you on the same page as everyone else in order to assist.
magician0 wrote:NO Balance Transfer feature - now what (alternative)?
magician0 wrote:I would like to transfer available spending amount on card from one card to second card.
Transferring available spending is what is generally referred to as reallocating and it is not the same thing as a balance transfer (even though transferring a balance does change available credit on both cards involved). If you're referring to a balance transfer then stick with the term "balance transfer" or you will confuse people. Reallocating can only be done with cards that are all from the same creditor. Balance transfers can only be done with cards with different creditors.
magician0 wrote:The second card would be either visa or mastercard. However my problem is that the source card, so the one FROM where funds should be transferred, doesn't have so called ''Balance Transfer'' feature.
It also sounds like you might be mixing up "to" and "from". With a balance transfer these words are in relation to the balance. If you start with card A with a balance of $100 and card B with a balance of $0 and end up with $0 for card A and $100 for card B then you transferred the balance from card A to card B.
The card you're transferring to has to offer balance transfer. You make the request with the creditor that issues the card. They issue a payment to the card you're transferring from and that's how the balance is transferred. You may need to call to initiate a balance transfer in some cases.
magician0 wrote:I did some research on that topic online about alternative solutions and I think some alternatives still exist. Either via phone call or web based application, perhaps even desktop based. Where you simply fund one card with another card. I am NOT really interested at all about prepaid cards because those ones have a way too low either spending limit or funding limit. I would like to know how to transfer funds from one card (e.g. american express) to another (e.g. visa or mastercard)? Any explanation how to do this, how to download such software or register for such web application or even where to call to, would be highly appreciated. I contacted credit cards department already but unfortunately all they told me is for their options to do such transfer, the feature Balance Transfer should exist. On my american express it doesn't.
There are no magic solutions. A third card, web app, desktop app, phone call, etc will not summon a BT out of thin air. There has to be a method of paying the source account and debiting the target account. Generally the target card has to offer balance transfer. A convenience check can work as an alternative but carefully review the terms if such checks are available as they can be treated as cash advances. Any other solution is going to have to be one that can charge the target and credit the source and I'm not aware of any off the top of my head. If your research indicates that options do exist then look into those options.
magician0 wrote:Paypal is out of the question - too many bad experiences with it.
Skrill is out of the question too because it doesn't accept american express.
Would prefer to NOT use such ewallets but if i am really required to use it in order to do what i described, i will.
These aren't relevant to balance transfers. You can get funds out of a credit card and to a merchant or another person but you can get funds into a credit card account.
magician0 wrote:I don't speak their native language, they don't speak English.
You'll want to find some way around that. There's always a chance that you'll need to contact the creditor and not just for balance transfers but the usual customer service stuff.
magician0 wrote:In different situation of same problem I contacted bank and they told me I need to contact the bank that issued the card FROM where i want to transfer.
There are mistaken and/or there was a language issue which wouldn't surprise me as there's a language issue in this thread in English. Again, you need to be able to communicate effectively with your creditors.
magician0 wrote:If not, they won't be willing to help. If yes, they will be willing to do the transfer on my request but they will want me to wait for like 7 business days for transfer to be completed. Cards transactions are usually instant.
Purchases and BT's are entirely different things. You cannot use a purchase as an indicator of how long a BT should take. BT's do take time and it can take weeks for BT's to process.