@Anonymous wrote:So there's a way to accomplish this using a "Debt Shuffle". Do I can call Cap1 to get a debt from USAA Limitless Account and immediately then proceed to call USAA to get the debt back to the 10.65% USAA Card? Does the transaction have to be posted on the Cap1 account or not? And in doing so, I would in turn do the "Work Around" in by calling USAA to immediately rescue the debt back by doing the "Debt Shuffle" using my Quicksilver Card from Cap1 to USAA's 10.65% Card? I have never heard of this.
It is easier than that.
The Capital One Quicksilver has no BT fee. You can request a BT via the Capital One site, electronically set up the transfer to pay off the USAA card.
The payoff will take about a week to fully settle out. Relax.
After the BT makes it to the Capital One card, wait a week or so, then use the USAA site from the second USAA card to request that card to pay off the Capital One card.
The payoff should take about a week to settle out. Relax.
Don't get too hung up on any interim interest on Capital One. They are doing you a service to save money, so leaving the funds there ( or a short remainder on Capital One) is not a bad idea. The few days the debt will be on Capital One won't amount to much, and my recent experience is that during the first month and last month of a Capital One BT, there is no interest anyway, whether you add charges or not on the BT.
And I would suggest using the Capital One Quicksilver on a regular basis. That $10,000 limit for those of us with subtantial balances is a lifesaver for this type of transfer.
(and I'm sure the mods will catch up to combine these two threads 
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