The responses below are not provided or commissioned by any advertiser or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by any advertiser. It is not any advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Just curious on 2 things. How long do you hold on to banks after a deal like this. I’m eying an awesome promo by BOA. Also when you load at a bank like this with your CC how do you know it won’t be a CA? I’m guessing changing CA to $0?

    Thanks again for your website and comments!

    • Doctor of Credit keeps data points on which banks and cards count as a cash advance. I also set my cash advance limit to $0 as well. That is always a good deal.

      As for how long to keep the account, that is a personal choice. I have never heard of anyone having problems for closing an account too soon, but I suppose that is possible.

  2. I have two questions about this. I’m curious on how long do you usually keep bank accounts open that you’re not looking to keep, because there’s a lucrative BOA offer that I’m eyeing. Also when you deposit using a CC, how do you know that it won’t be charged as a CA? Do you just make sure all your CCs have a 0 balance CA?

    Thanks for your time and your website! I read your emails everyday.

    • Awesome, thanks for your reply and sorry for the double post. I didn’t think the first one went through since I did it on my phone. Thanks again!


Please enter your comment!
Please enter your name here