BT on my CAP 1 card, now my account is restricted.

[boober]

Title says it all basically. 

I applied for a BT on my QS card. I've done like maybe 4 of these over the last couple of years or so on my 3 cap 1 cards. Always paid em off NP. Never late. Excellent overall credit. Just shifting around some debt to take advantage of some BT's on my cards.

I've maxed out my cards with Cap before with BT's. But this time for some reason soon after I did a BT, my card says this...

This account is currently restricted. (Ref. No. 10016.8040)

So what gives? This happened 2 days ago.

Thanks.

[Marcos8]

What were the terms of the BT you selected? Was it one with a fee or one with no fee and same as apr? 

[srloring13]

It could be that the Fraud/Security department needs to confirm that you initiated the balance transfer.  Chat with customer service or call to confirm.  

[Anonymous]

Call them.  They probably just need to verify you.  Let us know how it goes...

[boober]

Yup, that's all it was. Just wanted to make sure it was me that initiated the BT.

Thanks guys!

[HeavenOhio]

I usually get an e-mail about account restrictions pretty quickly. Because the e-mail contains some sort of explanation, that removes the freak-out factor of logging in and seeing the restricted label on my account.

As the OP experienced, it normally doesn't take much to get the restriction lifted. If there's actual fraud, it becomes more involved as you'll get a new card, reimbursements, etc. But the restriction will still be lifted quickly, and you'll have limited use of the card until its replacement arrives.