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This is the best credit card hack ever. If you need 100k, 80k, whatever the number looks like, do this. You have your Chase credit card, the Freedom one, 15 months interest-free, no interest. Now, what I want you to do is you go to Chase.com and you apply for the Delta card, United card, airplane cards. Apply for two of those. The credit limit on those is going to be like 20k because they're a traveling card, so they want to lend you a lot of money. Then you need a hotel card. You get a Marriott card, a Ritz card, all from Chase.com. They're also going to lend you 15-20k. So then what you do is you call Chase and you tell them, 'Hey, can you combine all my credit limits into the Chase Freedom card?' Because that's 0% interest for 15 months. That way, now I have a jumbo card with all the credit limits combined at 0% for 15 months. You'll get like a 100,000 credit limit, 15 months.