CSR and CSP SUB and BT

kshurika · ‎03-04-2018

I'm looking at both CSR and CSP. If I make a relatively large purchase that partly or completely satisfies the 4K needed to get the SUB, do I retain the SUB if I BT the balance to a 0% APR card?

Anonymous · ‎03-04-2018

Yes, you still keep the sign up bonus even if the balance gets transferred elsewhere.

NRB525 · ‎03-04-2018

As far as a CC is concerned, when they receive cash, it is a payment. How you send them the cash, whether from a checking account, or another bank issuing a BT and sending cash, no difference.

A Citi Double Cash should also see a BT that pays a large purchase as a cash payment to enable getting the 1%

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765