Ari Page

So I go, what the key here is, if I want to get more credit and I want to be able to convert this $10,000 existing credit line back to 0%, this is the way to do it.

This is card stacking.

So I go back to the same institution.

I go back to Chase.

And most of the time, they'll allow you to apply for the exact same credit card.

If not, then you apply for a very similar product.

And they'll definitely allow you to apply for that.

You can get multiple cards from almost every bank.

So I go back to the same bank, apply for the same product.

And let's say they only give me $5,000 because I already have 10.

We might be thinking, hey, this isn't going in the right direction.

5,000 is not very big.

That's not enough to move the 10,000 over.

However, this is the key that I take the 5,000, which has 0%.

And on a separate call, I call the negotiator where I'm sorry, the underwriter.

So I become a negotiator.

I call the underwriter at the bank.

And the underwriter is basically someone who works at a bank who is the determiner.

They determine these types of of of situations.

And so I talk to the to the underwriter and I merge the five thousand dollar zero percent card into the older ten thousand dollar card.