Here are some more things to keep in mind when you are turning your next business card approvals into cash! #1 - Can I liquidate a Chase business card and send the funds into my Chase business checking account? The bank will see the similar charge and deposit amounts, regardless of whether a different company is sending the deposit... putting both your checking account and credit card in jeopardy of being closed. Chase (or any other bank) wants to charge the cash advance fees themselves so they are watching for this. This is an easy problem to avoid however - just make sure to send funds to a different bank and you'll have zero problems (e.g. Chase card to BoA checking). #2 - can I liquidate personal cards or send funds to a personal checking account? Yes, this is not a problem. #3 - is my card at risk of being closed by liquidating? No in almost all cases - the bank wants you to spend a lot on the card as that's how they make their money. Millions of businesses throughout the country are making large credit card purchases (even $40k-$50k+) every day. A liquidation transaction may initially get declined and require you to call in to approve the transaction; this is normal fraud prevention. The bank mainly wants to ensure that you are making the purchase yourself and that your card wasn't stolen. Calling the bank in advance to let them know about a large upcoming transaction is often a good practice. Amex is the one card issuer that is finicky - if you have a brand new Amex card in the first billing cycle, you'll only want to liquidate 40-60% of the credit limit initially and wait until the second month to liquidate the remainder. Most all other banks won't have a problem with liquidating the full credit limit. A good professional liquidator can help advise you on your specific situation. #4 - How do I offset the costs of liquidation? A professional company charges a small fee in addition to standard merchant processing fees as they are shouldering all of the risk in the transactions. It's a small price to pay to avoid all risk to your cards, bank accounts, and merchant processors - as well as gaining the ability to liquidate unlimited dollar amounts.

What are some legit and legal ways to liquidate your business credit cards once approved?

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Most banks have a fixed monthly payment in the 0% interest period based on percentage of the current balance (1% of total balance for Chase, 5% First Citizens, etc). Amex is the only one where the percentage varies based on the balance amount. This is the breakdown: 1% of balance due for balances $0-$20,000 2% of balance for $20,000.01-$35,000 5% of balance for $35,000.01-$50,000 10% of balance for $50,000+ Good to keep in mind when choosing amounts to liquidate - $35k or $50k rather than $36k or $51k for example. Hope this is helpful!

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