Here's the deal. You need TWO credit cards with lots of credit left on them. An empty credit card is best with no amount due. Here's how you do it....You go to a department store and buy a large price item with one of your credit cards. Buy somebody that you can return...like a laptop computer or a piece of jewlery for $2,000.00....Then after a week, you tranfer the amount with a balance tranfer check onto your OTHER credit card. So you just tranfered 2K onto your OTHER credit card. Then you RETURN the computer or jewlery or whatever you bought for 2K to the store and they will credit your credit card that you used to purchase the item. So you now have a 2K credit on an empty credit card with no money due. The credit card HAS to send you a refund check in the mail if you ask them to because you owe them NO MONEY. So you call the card company and ask them to send you a check for the 2K that they owe you. They do it and you now have 2K to trade with. LOL. What do you think? You have any better ideas?