alex21 Posted December 22, 2017 (edited) Hi everyone, My very first post. I'm new. English is not my first language, i try my best. Thanks for understanding. Here's my situation. I made in investment in real estate renovating a house and flipping it. I have a buyer. Might takes couple of months before cash in. I have visa : 38K debt another visa : 11k All my other cc, i never used them. Recently i learnt that i could transfert the balance to some cc offering 0% financing with 12 month terms. I felt it was great option for me since i can clear up the whole balance in couple of months. MBNA Platinum Plus I applied online yesterday for Master card 0%. Got accepted but got only 14K limit. Actually, i filled up in the form i want to transfer 38K. I figured out what was maybe the mistake i made to get a limit lower than what i've asked. Actually, i recall having clicked on 'owner/condo" but then i had to filled up another case asking me about the rent..i found that strange since i'm an owner. I couldnt continue the application process cuz i had to fill up that case about the rent. Because it was late night, instead of writting '0', i put 800$... :/ I'm guessing it might because of that i got lower limit. By the way, i have a good credit score, around 720-740. Never missed a single payment in my whole life. Anyway, i called the customer service and told them my story. The customer service told me i have 2 options. First option : They can cancel the whole thing and then apply again but my score might got hit... Second option : i wait until i get my cc and then i call them to ask them to give me the desire cc line credit. I picked this option. Did i do well? Now, i'm interested to get the RBC visa cc for the second balance transfer of 11k but afraid this might not help me if i fill up the form now knowing that the credit center might lower my score... What should i do to transfer the 2 balance to low interest. Ideally all with Master card. Any walk around? RBC visa with 0.99% / 10 months term will be my other option..but will it be possible to get these 2 products one after another? or should i wait little? Thanks in advance for advising me. I really need to breath financially right now.. Cheers Edited December 22, 2017 by breeze link deleted - too new Quote Share this post Link to post Share on other sites
breeze Posted December 22, 2017 Welcome to CB. I see that you're in Canada, and the cards are apparently only issued in Canada. This forum is dedicated to US credit and cards, but we do have a Canadian subforum. I'm leaving this here for now, but I can always move it for you if our Canadian members don't see it and respond. Quote Share this post Link to post Share on other sites
alex21 Posted December 22, 2017 Thank you! Oh okay, sure. Yes i'm Canadian. I rely on you for the subforum. Thanks in advance Quote Share this post Link to post Share on other sites