I just want to get financable this year - pay off debt, save some $. 

The problem is, that's not proper accounting because a credit card is a liability, and doing this workaround will reduce your assets rather than increase your liabilities, which totally messes up your balance sheet and debt-to-income ratios.  

It may be too late.yup stop payment.. also for future reference if you cant pay cash for these kind of educational events don't do it.how are you going to do business if you have to charge this to even get started.. this is the very thing that really bugs me about the real estate education sector in the US>. talking people to go into credit card debt when they know full well only 10% or less of folks that try this or any kind of wholesaling / flipping/ notes / lending etc will do anything .. and especially if you have no capital.

That is the issue I am having now as my wife and I have great paying jobs and just cleared all our debt.

The banks thought I was a dead beat because of my debt to income ratio.  

First one to pay off both Bank debt and get back initialcollateral.

The cleanest route but the least attractive method for most investors is to have the investor provide debt.

DOS or more commonly known as Event of default.Alienation of title is an event of default in most all debt instruments not usually located in the Note its in the mortgage  deed of trust etc.And along with other Events of Default  IE non payment of Insurance or tax's or waste these all give the lender the right to Accelerate the note but not the obligation..

If the bank prices their debt based on the fed rate you typically see WSJ Prime + 1%.

Get on a budget, build your emergency fund, pay off all debts, save up.