I have: Providian: 6500, secured with 500 on deposit Discover: 6200 a 2000 MC and a 1400 Visa I'm not going to get the line increase I'd need on my luckiest day. What are the group's thoughts on the following? 1. Deposit a large amount with Providian. Confirm the corresponding line increase, make the purchase, ask to have the recent deposit withdrawn and applied to Visa balance. (Will it be that easy?) 2. Make a large payment to Discover, resulting in a large negative balance and a temporarily large credit line. Make purchase. Done -- account is back to $0. (Will Discover do this?) 3. The above with Providian, or one of my other cards. (Will anyone?) 4. Use my MasterCard ATM card. (Do I have any of the usual protections when I use a debit card, even through MasterCard's network?) 5. See if the bank where I have the money on deposit will open a credit card with a large enough line considering that I have the money. I could close it if I wanted after I'm done. (Like a two month tradeline is just what my credit report needs.) None of my cards have a non-trivial balance, so they're all ready for action. My BEACON score is 668 with a recent 30-day late and some inquiries in the last 12 months, so I'm not going to get a brand new Platinum card with a 20K limit. I'm looking to move soon, so avoiding inquiries is a plus. I guess this is why Amex talks up "no preset limit" ... too bad I don't have one. BTW, I have a negative history with Amex via a failed business (although no balance), so I don't think I'm getting a green card anytime soon.