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CSP CLI / Checks

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lexrjSD
Regular Contributor

CSP CLI / Checks

I've had my CSP a little over 1yr but havent been using for the past 6mo because I'm putting everything on my Barclay Arrival. However, Chase keep sending me these 12mo 0% apr checks for my CL (15k) that I'm thinking on using for a large biz purchase, questions:

1- Are there other issuers that are known to do that?

2- Is it possible to get a soft CLI on the CSP? I want see If I can get an even higher CL to use with these checks.

 

Thanks!

WALLET: Amex BCP 25K | Barclay Arrival Plus 27K | Chase Reserve 20K |
Amex SimplyCash 50K

FICO: EX 812 | EQ 815 | TU 815
Message 1 of 6
5 REPLIES 5
Jlu
Established Contributor

Re: CSP CLI / Checks

1. Known to do what? Generally using your personal CC for biz is frowned upon if that's what you mean.

2. No - Chase is HP always unless it's auto.

 

Also consider the BT fee when figuring out if you want to use them. I always wait for the checks with 1% BT rates.

AMEX BCP $35k | Citi Double Cash $30k | PenFed PlatRewards $25k | Barclaycard $40k | Chase Freedom $25k | BofA Cash Rewards $40K | US Bank Cash+ $4500 | Discover IT $25k | NASA Platinum-Advantage $40k | CapOne Quicksilver $15k | Amazon Card $10k | Ten years on myFICO from 510 to 780 scores
Message 2 of 6
lexrjSD
Regular Contributor

Re: CSP CLI / Checks


@Jlu wrote:

1. Known to do what? Generally using your personal CC for biz is frowned upon if that's what you mean.

2. No - Chase is HP always unless it's auto.

 

Also consider the BT fee when figuring out if you want to use them. I always wait for the checks with 1% BT rates.


Known to offer 0% checks like Chase.

The ones I'm receiving from Chase have no BT or any other fees, I can write a check to myselft and deposit on my account without any fees, therefore no Biz transactions on it.

WALLET: Amex BCP 25K | Barclay Arrival Plus 27K | Chase Reserve 20K |
Amex SimplyCash 50K

FICO: EX 812 | EQ 815 | TU 815
Message 3 of 6
Express
Frequent Contributor

Re: CSP CLI / Checks

Citi Bank
CL $408,200
Message 4 of 6
Anonymous
Not applicable

Re: CSP CLI / Checks

Likely you remember this... BT's may be at a 0% or low rate but you will have the regular purchases apr running (unless there is a promo for the purchases apr too). This plus the fee can make the BT expensive. The only time I take BTs is when the card is paid off and I don't use the purchases while benefiting from the BT.
Message 5 of 6
Jlu
Established Contributor

Re: CSP CLI / Checks


@lexrjSD wrote:

@Jlu wrote:

1. Known to do what? Generally using your personal CC for biz is frowned upon if that's what you mean.

2. No - Chase is HP always unless it's auto.

 

Also consider the BT fee when figuring out if you want to use them. I always wait for the checks with 1% BT rates.


Known to offer 0% checks like Chase.

The ones I'm receiving from Chase have no BT or any other fees, I can write a check to myselft and deposit on my account without any fees, therefore no Biz transactions on it.


 

Almost every creditor I deal with has offered me BT checks. None of them have given me 0% APR AND 0% BT fee - it's always one or the other. The best deal I get is through Barclays which is 18mos 0% w/ the greater of 1% fee or $5.  That's pretty cool you got that offer but make sure it's the real deal before using them. 

AMEX BCP $35k | Citi Double Cash $30k | PenFed PlatRewards $25k | Barclaycard $40k | Chase Freedom $25k | BofA Cash Rewards $40K | US Bank Cash+ $4500 | Discover IT $25k | NASA Platinum-Advantage $40k | CapOne Quicksilver $15k | Amazon Card $10k | Ten years on myFICO from 510 to 780 scores
Message 6 of 6
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