Thanks for all the help! I asked for help with BOA for my son and he was able to get their 4% Balance transfer good for life of the transfer thanks to the number for retention posted here. He will be able to qualify for the mortgage he needs now. Then, I used the Discover retention number posted here and was able to get for myself a balance transfer, no fee, good for life of the transfer at 5.9 APR, PLUS they increased my CL by $1500, AND dropped my purchase APR to 9.9 from 14.24. When I started reading this site back in 2000, I had NO credit and have built it up very respectably. Thanks to all current and previous Creditnetters, and to the administration of this board.
AND to the people who made it all possible, Namely the banks and other companies that advertise on this board, and the members and visitors who click on their ads.