rockyrock wrote:Chase is offering a pretty good BT promotion to me right now; 0% until 06/2015 with only a 1% fee.
[color="red"]My CSP has a $25k limit and Marriott $12k. Both have an essentially zero balance right now.[/color] The promotion is for my Marriott.
Has anyone had personal experience shifting limits with Chase? [color="red"]I would like to shift $20k to my Marriott so I can take advantage of this promotion and not have a sky high utilization ratio[/color].
Guess I'm thick this morning and need more coffee! Not quite following what your question is.
I'm reading it that you have the CSP with a $25K CL and the Marriott with a $12K CL. You're carrying "essentially zero balance" right now. Correct?
So if you have no balance to speak of, not clear why you would need to take advantage of a BT offer? Do you have another card that you want to transfer a balance FROM, TO the Marriott card? Not clear about what you mean about the "sky high utilization ratio". Do you have an amount that you want to transfer from another card that would put your utilization in that "sky high" range?
If you're talking about shifting credit limits from one card to another, there's plenty of threads, some recent, about doing this within Chase. If you're saying you want to move $20K from your CSP CL, apply it to the Marriott, giving you a new CL on the Marriott of $32K, and leaving a $5K CL on your CSP, you can do that with no problems. THEN if you need to do a BT FROM another card TO the Marriott card that has that big CL, you should also be able to do that as well.