I'm a little confused on how this account works. First, how do you gain online access if you don't have an Ameriprise financial account? Second, do I have to get an account? Third, how do you think Ameriprise would view this account if I took advantage of a BT. My UTIL on the card would be about 70-75%. However, I would pay the account off in less than 3 months when my CD matures. My overall UTIL would still be less than 4% but would increase from less than 1% to roughly 4%. Any ideas?