150 credits before Bachelor's degree

[dzaloum]

I am currently seeking a BSBA in accounting from TESU using 30 RA credits and 90 ACE/transfer credits. Looking at my state requirements (NJ) for becoming a CPA, I need "150 semester hours from accredited school. Credits can be obtained within or beyond a degree program." I may or may not end up sitting for the CPA exam, but I'd like to know if I can get the 150 credits onto my TESU transcript while I'm already enrolled at TESU. I do not believe ACE, CLEP, etc. transcripts will be accepted to show the extra 30 credits, as those are not accredited colleges. They do accept these sources of credit if they are transferred to and on an accredited school's transcript.

Can I take 30 extra ACE credits (CLEP, Sophia, etc.) and transfer them to TESU before graduating with my bachelor's degree? TESU has a 90-credit transfer limit, but I have heard on the forum that since I wouldn't be using the extra 30 credits for my degree it wouldn't go against the 90-credit limit, and since I'm transferring them, they will still appear on my transcript. Is this true? Is it a good idea to accumulate 150 credits before finishing my bachelor's degree?