NO...BUT I HAD A "FAKE" BT OFFER FOR LIKE 3.90%...THEY SAID THEY DON'T HAVE SUCH A THING AFTER I DID THE BT AND GOT MY FIRST STATEMENT!!! IT WAS LIKE 11% OR SOMETHING LIKE THAT!!! LIKE I WOULD BT 0.00% TO 9.99% WITH 11%...SURE I WOULD I BT'D IT GONE AND CLOSED IT!!! **BUT ON THE UP-SIDE...THEY CAUSED THE BIRTH OF THE "TOY" CARD!!!
Yes. We got modest ones without hard inq by calling cust. service and asking for the credit department. Be sure the customer service rep is very clear that you don't want an inq pulled, you just want them to review your account based on internal activity. We were at $11K it was increased to $13K. I asked how far they could have taken it with a hard pull and she said $15K. Didn't feel the hard was worth it. Activitywise, we charge about $2-$4K a month on it and pay it off in full every month. (The 11% interest rate is high as compared to our other accuonts, but we do like the 1% rewards dollars that we use to make the premium payments on some of our insurance.) She said we could request a CLI every 6 mos. DemPooches
