A balance transfer question

[kroberts67]

I just paid off both USAA cards not realizing I was about to get huge rewards credits on both cards (today!).  Instead of using my paycheck to payoff Macys and the USAA credits sitting there until I use them, I am trying to think creatively how to use this to payoff Macys.  Can I bal transfer from USAA online to pay a store card or use a convenience checks?  Dep the conv check into my checking account, is this the best way?  I'm expecting a 3% fee regardless, right? 

[Swapmeet]

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@kroberts67 wrote:

I just paid off both USAA cards not realizing I was about to get huge rewards credits on both cards (today!).  Instead of using my paycheck to payoff Macys and the USAA credits sitting there until I use them, I am trying to think creatively how to use this to payoff Macys.  Can I bal transfer from USAA online to pay a store card or use a convenience checks?  Dep the conv check into my checking account, is this the best way?  I'm expecting a 3% fee regardless, right? 

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Balance transfer a portion of Macy's to each of your usaa cards and the credits will be used for you. You are going to incurr the 3% bt fee, but that is just the cost of using the rewards. If you call them, they may transfer the credit into your checking acct. I have a credit balance on my platinum card right now too for the same reason.

[YHWHUDAH]

Yes, kRoberts67 you can balance transfer to USAA. I'm pretty sure your USAA have a low apr. Try to get a USAA cli if possible; the rep told me that an account is eleigble for once every  year. After I pay off my USAA I will attempt to get a cli.

[kroberts67]

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@Swapmeet wrote:

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@kroberts67 wrote:

I just paid off both USAA cards not realizing I was about to get huge rewards credits on both cards (today!).  Instead of using my paycheck to payoff Macys and the USAA credits sitting there until I use them, I am trying to think creatively how to use this to payoff Macys.  Can I bal transfer from USAA online to pay a store card or use a convenience checks?  Dep the conv check into my checking account, is this the best way?  I'm expecting a 3% fee regardless, right? 

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Balance transfer a portion of Macy's to each of your usaa cards and the credits will be used for you. You are going to incurr the 3% bt fee, but that is just the cost of using the rewards. If you call them, they may transfer the credit into your checking acct. I have a credit balance on my platinum card right now too for the same reason.

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Thanks SWAPMEET, just did it effortlessly! It was only a $20 fee, I consider it free money as I didnt expect it! I didnt realize it would work online for a store card acct#.

[Swapmeet]

Your account is eligible for a cli at USAA every six months. And, I am glad to see that you got it taken care of! Good job.

[kroberts67]

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@YHWHUDAH wrote:

Yes, kRoberts67 you can balance transfer to USAA. I'm pretty sure your USAA have a low apr. Try to get a USAA cli if possible; the rep told me that an account is eleigble for once every  year. After I pay off my USAA I will attempt to get a cli.

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YHWHUDAH, thats what I'm hoping for this month! Ive paid everything off now and am down to 6% UT on 2 cards, need to get to make that 1 card before asking them.  They dont like usage spread out among cards.  Plus I dont want a HP so hoping they SP me soon and show me luv!  My anniv date is late March.  Good luck to you with them as well! 

[YHWHUDAH]

Thanks kRoberts67. Yes, as soon as I pay down my balance and my scores update im hitting the luv button, so hopefully its a sp.

[Swapmeet]

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@YHWHUDAH wrote:

Thanks kRoberts67. Yes, as soon as I pay down my balance and my scores update im hitting the luv button, so hopefully its a sp.

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Wow. I have never seen a luv button at USAA. Where is it located for you?

[kroberts67]

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@Swapmeet wrote:

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@YHWHUDAH wrote:

Thanks kRoberts67. Yes, as soon as I pay down my balance and my scores update im hitting the luv button, so hopefully its a sp.

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Wow. I have never seen a luv button at USAA. Where is it located for you?

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I've never seen one either.  Although they do have a button that says "Stop Automatically Increasing My Credit Limit".  No lie.  lol  I mean, I know it is maddening and all...