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Thanks, lk_ I've sent some GW letters. We'll see how it goes. They're student loans, which are notoriously bad at offering goodwill to people
I'm interested also in the answer to your question about whether anyone has ever transferred credit from one card to the other and moved it back later.
you could always just take the TU hit and ask for a CLI (or 2 for that matter), especially since it's reinsertion time.
I'm trying to be good here in the garden and not have any inquiries, but it might be worth considering at some point... What is reinsertion time?