Chase Slate Card Review

Our rating

3 stars3/5

See explanation of our ratings system
See breakdown of this card’s rating

Is the Chase Slate® card a good balance transfer option? Like all cards there are positives and negatives. Our review will help you make an informed choice.

When Chase launched this card a few years ago they tried to make it different, both in terms of features and design — it used to have a vertical design, rotated 90 degrees from the typical horizontal orientation of the standard credit card. Chase just did away with this feature, though, and the card has flipped back to the traditional horizontal design. The other unique feature of the card is that it offers an initial period where there are absolutely no transfer fees. That’s a big deal, because most cards charge a balance transfer fee.

What are the advantages?

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening – Back before the Great Recession, it was possible to find balance transfer credit cards with no balance transfer fee. Unfortunately those disappeared and haven’t returned in force since. It’s also unlikely we will see a lot of them again, because the credit card reform (CARD Act) seriously changed the profit dynamics for the card industry and in turn, fees are more common in banking these days. This card normally charges a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. But, if you act quickly there is a $0 Intro Fee on Transfers made within 60 days of Account Opening. This might not be around forever so act quickly if you’re in the market to transfer a balance. This is the only card in the market offering this money-saving fee-free transfer feature
  • Monthly FICO® Score and Credit Dashboard for free: Beginning early last year, Chase began offering Slate cardholders free online access to their FICO score. Free FICO access is an extremely valuable perk, and one that Barclaycard, AmEx, Citi and Discover have begun offering to their cardmembers in an effort to make their cards more appealing to consumers. The Slate card is currently the only Chase card that offers free FICO score access.
  • Chase Blueprint – Blueprint is an advanced budgeting tool that helps you save money on interest and stick to your goals of paying down balances faster:Chase Blueprint overview
    As a Slate cardmember, this benefit is completely free for you. According to Chase, customers who set up and stick to their “Split It” or “Finish It” Blueprint plan tend to pay off their balance 2 times faster when compared to their other cardholders. That can save consumers quite a bit of money over time – so definitely take advantage of this innovative tool to help reach your goal of becoming debt free, faster.
  • Reasonable Interest Rates – Reward credit cards usually have high interest rates (because they have to subsidize the cost of the rewards, right?). Well since the Chase Slate credit card is designed for those with a balance, they skipped the rewards program (and to be honest, if you’re trying to get out of debt, having a rewards card can be extremely counterproductive) and instead focus on giving better APRs. The Slate card offers a relatively low APR if your credit qualifies you.
  • 0% Introductory APR for 15 months on purchases and balance transfers – When you’re trying to pay down a balance, having a zero percent APR can help tremendously. You have 15 months from opening your Slate card to pay off your balance interest free.
  • $0 Annual Fee – This is a common benefit these days, but still worth pointing out.
  • What are the disadvantages?

  • No Rewards Program – Really the only disadvantage when it comes to this card is the fact that there is no rewards program. But that makes sense, as the card is designed for people carrying a balance from month to month. People who consistently carry balances are much better off avoiding a rewards card altogether because those tend to induce much more spending and carry slightly higher interest rates. So, if you have excellent credit and pay your bill in full each and every month, you would be better off with their Freedom. However, Chase Slate probably makes more sense if you need to transfer a balance and keep a lid on future spending until you get your head above water.

Should you apply?

If you will be using this card to pay down a balance, then yes, it’s a good deal. Right now using our sponsored promotion above, you can apply and get all of the following:

  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening

There are a couple longer 0 percent intro periods out there, but they all charge a 3 percent to 5 percent fee on your transferred amount. So, if you transferred $5,000 you might pay $150 (3 percent) to $250 (5%) upfront just to do the transfer. Currently, this is the only nationally advertised deal with no transfer fee.

Why we gave it 3 out of 5 stars

While it doesn’t have the lengthiest 0 percent period on the market, the Slate offers the ability to avoid paying a balance transfer fee, if you move your balance by a deadline. It’s therefore a solid balance-transfer product.

half star0% period length: Half star rewarded if BT period is more than 12 months. Full star rewarded if more than 15 months. With a 0% period of 15 months, this card gets half a star.
Full starAbility to avoid balance transfer fee: If you transfer your balance in the first 60 days of opening your account, you pay no balance transfer fee.
Empty starForgiving terms: Balance transfer cards appeal to those who need a fresh start, so we reward a star to any cards that have stated policies for waiving late fees. This card does not waive them.

The Chase Slate charges late fees that increase with the size of the balance.
half starLow go-to APR: The card gets half a star if its go-to-APR range dips below 15 percent and a full star if the lowest possible APR is below 12 percent. Keep in mind, however, your own APR could be higher, based on your creditworthiness.
Full starCredit-management tools: This card includes Chase Blueprint, an advanced debt-pay-down and budgeting tool. It also provides free FICO score access.

This review was written or last updated August 19, 2016

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

AVOID THIS CARD! NOT WORTH IT! Received an offer from Chase through my account mail since already have another Chase credit card. I’ve had a Chase card for over a decade,never late once, 840 FICO, income just enough to call six figure and my mortgage and car payments combined are less than $1000, I like to live well with within my means. What do I get from Chase? A Slate card with a $2500 limit. Sorry, keep it, that limit is not only useless for balance transfers but insulting as well. Chase can go pound sand down rat holes.

I feel your pain Trent. I have excellent credit with a FICO in the mid-700’s. My main complaint is the HUGE amount of onterest rate they want to charge me – 22.9%! I never use the card unless I can pay the balance in full by the next due date. When I first opened the account they set my interest at 18.24% + my credit score was 780! now my score is 767 and it’s risen to 22.9%! Pure theft! Also, they have stopped offer me 0% balance transfer options since I made full use of these and saved literally hundreds on interest! If these credit card criminal would off a fair interest rate, say in the 12-15% range instead of socking it to their card holders every chance they get, they would increase the loyalty among their customer base and the usage of their cards would increase. I’va had a Slate card for nearly 5 years now, but my preferred one is the one issued through my credit union and they charge me just 9.99% interest!

My wife and I were looking for a good balance transfer card to save us some money. I thought I had done sufficient research and settled on the Chase Slate card. The application web site was nice and had a very positive motif. the information requested was reasonable and the overall process fairly simple. Understandably they asked about the balance transfer amounts which I provided – $14,0000. Though we have excellent credit I braced myself for a decline just to be on the safe side. I was happy to find that we were approved and the card would arrive in 7-10 days. I informed my wife as if I had returned to the cave dragging a sabre tooth tiger behind me as a feast.

The card arrived and I opened the envelope. There was the nice shiny card. Then there was the letter calmly informing me that as my credit limit was $4000 they would only transfer $3920 to one of the two balances. Needless to say I was not a happy camper. I have no problem with Chase deciding what they want to extend me as far as credit limit – none at all. My issue is that this should have been addressed during the application process. If I had the approval but they would have noted that they could not meet my transfer request beyond $3920 I would have been disappointed but hey they were being honest and upfront with me about. I would have thanked Chase for the opportunity and moved on. But that’s not what they did.

For us this is an irritating inconvenience, for those trying to rebuild their credit this is unethical and deceptive. It’s obvious that the balance transfer is a lure to apply for the card and get people into the Chase system. Trying to cancel the card is financial gymnastics at its best with circular automated phone choices that lead you around in a digital ring around the rosy. Chase is under no illusion that the financially savvy will bail once they see what’s going on here but if one person out of ten gives up and stays they’re making money.

I will say that the girl I talked to was pleasant. She explained that the online application process didn’t do a hard pull of a credit report but that I could ask for an increase and have that done. I told her that it should state that on the website and offer a separate traditional application process for balance transfers that exceeded the limit offered. She simply apologized.

Again no issue with Chase deciding who they will extend credit to and how much. I’m a grown man and I get it. However their application and approval process is intentionally deceptive and, in my opinion, very unethical. All I can recommend to anyone interested in this card is go through a formal application process that typically has much more disclosure. If that’s not an option for you then stay away from Chase.

I did two rounds of purchases on a Chase Slate Card, both for dental work. Had the first one done, paid it off completely, ditto with the second. In prepping for the third round of work, my first act was to call Chase and ask if I needed to close my card and open a new one (or look elsewhere), or if I could make another purchase with the 0% APR of before. I was told ‘yes’, and the girl put a spend notice on the account for the next week. When I get the bill they have, of course, accessed me a $32 late fee, and their explanation for said is that my 0% APR expired on December 5th. I called on November 11th, not even a month prior, and a December 5th deadline was _never_mentioned_ despite the fact that was the direct subject of my question. I went through the song and dance of ‘disputing’ it (with absolutely no belief that it would amount to anything– I used to work for a credit card company, and we all know we live in the era of ‘too big to fail’). Unsurprisingly, the decision came back with the caveat that I did not specifically mention the APR in my question. First of all, I don’t believe that since, in order to express my query (can I still use this card as I have been), mentioning the APR was essential. Second of all, even if I didn’t, a responsible answer to my question would have involved something along the lines of “Well, Ma’am, this card has been open since XXXX, and the 0% APR will expire on December 5th.” I hear that ad nauseam now, but they neglected to mention it when I was the one trying to be contentious. After three levels of escalation, they still refuse to remove the finance charge, despite the fact I’ve paid off the card in full (sans illegitimate finance charge). Aside from being outright deceptive, their customer service reps couldn’t even off me an empty “I’m sorry, Ma’am.” I’ve been a Chase customer since I was sixteen, paying my regular card off in full every month. In other words, I’m the kind of meticulous customer credit card companies hate. They got me this time, so let me be a warning. Do not rely on them for any transparency. Asking direct questions will only result in lies– either directly, or by omission. If you for some reason feel the need to go with Chase (I understand Discover has a nice equivalent, and several of my friends have had zero problems with it), be VERY assiduous. Certainly don’t expect any level of customer service from them.
Deceptive, prevaricating, unprofessional, ill-trained, and predatory. Bravo.

Thank you for your experience. This is exactly the kind of review that one needs to expose these types of companies. For that reason, I will NOT do business with them. Thank you for saving me from hours of disgust.

unfortunately I’m one of those people tying to repair my credit. My score isn’t all that great! Do you think it is wise to apply for this card, I would not want to hurt my score no more than it already is!!!!

If you’ve opened a lot of accounts this year in hopes to rebuild your credit, in most cases you’d be denied. I’ve opened more than 7 new credit lines this year while rebuilding and was approved for a Chase Slate with $1000 CL (my income is only $25k annually)…but I’ve banked with them for 11 years, so maybe that’s why I was approved.

can you assume another person’s credit card debt on your slate card or can you only balance transfer for yourself?

So during the first 60 day period are you allowed to do a balance xfer for 2 cards without paying any balance xfer fee?

Does anyone know what happens after you pay off your balance? Do they offer the 0 fee 0 apr again? Next year? One time deal? Can you close the account and wait the 2 years like other Chase cards to get the sign up bonuses again?

I have had a Chase slate card for 8 years and 10 months. I only use it as a backup because my main card has rewards. I have had the same credit limit for almost 9 years $1500. I never asked for a limit increase. My other card just did them automatically or offered one if gave an income statement. They started sending me checks in the mail for me to pay off balances on my other credit card and do a 0% balance transfer so its not only just a one time thing. I never did it because my main card is with chase and they said they will not pay off themselves so i couldn’t do one anyway. Basically what Im saying is you can do 0% balance transfers at any time and I think its still 0% interest for a certain amount of time too(cant remember the exact time) but they usually give low credit limits so make sure you keep asking for credit limit increases. If I had asked for one every 2 years I’d probably be at at least 7500 by now.

I found the checks and I was wrong. They offered 0% apr for about 9 months but there was a balance transfer fee of 2% on the offer I received after having it for almost 9 years.

Lucky for me that I read the above comments before making a decision to apply for the Chase Slate card and do 2 credit card transfers. As they say “if it’s toooo good to be real, IT IS!” Thanks to all who commented because it helped be tremendously and I avoided a big headache and wasted time!

can you transfer a balance from an american express gold card?

Applied online to an offer I received of 0% interest and no transfer fee. And at the same time I requested a balance transfer of $1276 to payoff another card with an expiring 0% interest offer. I received a credit limit of $1300 – that’s fine, even though I have a 722 score and very sufficient income. But they only transferred $1274 to the other account. Yes, it’s my own fault that I didn’t stay on top of that and pay the extra $2, so I got hit with $583 in interest. But it just seems awfully suspicious that they short-paid my request by $2 little dollars, saying that they wanted to ‘leave enough credit available for purchases’. I kept the original paperwork and yes, it does state that they might short-pay a transfer. However, there’s no reference of ‘we’re going to keep specifically 2% of your request just in case you want to use it for something else’. Something’s very, very fishy. I have cancelled that account and will not return to Chase.

Does anybody know if they accept applicants from outside the US (Canada, for example)?

I have 3 debts I would like ot move to slate..
2 of which are ‘CC’ .. .no problem there.
3rd one is not.. its a margin loan .. but its per my using my brokerage acct as a billpay..
the % rate on it is 6% ..

I assume that the only way to really use one of my CC’s to pay it.. and then balance transfer that amt.
Dont believe there is a direct way to pay the margin as is.

I have 2 accounts with bank of America and recently received a chase slate card with 2300 balance ,,,Is this card right for me? I owe about 6000 on each .

YOu need to stop using Credit Cards if you have $6,000 on each.

Great card for balance transfers. Apply online, and hold off on submitting a balance transfer until you have the card in your hand (and know your credit limit). Chase’s lending requirements are stricter than most as they focus not strictly on credit scores. For those who are approved, call directly in to customer service to rush your card out to you in 2-3 business days (free of charge). If the limit is not of your liking, call in and request an increase. It may require another credit pull, but it might be worth it if it saves you money, or improves your credit utilization ratio in the long run.

when i applied for the slate card i thought we would get it instead we were turned down because of a bankruptcy 6 years ago we have worked hard to build our credit back up and have a capital one credit card that we pay extra on every month i do not think that you are fair we have been with your bank over ten years and this is just not right we should have a chance.

Just had to chime in because I’m feeling the pain here. I wish the forum would add all these negative comments to the “cons” section.

I had a similar issue: requested the card, ready to transfer $10K I was prepared to pay off over the next few years. It arrived, and then I was told I can only transfer $784 to the card. WHAT!? It’s BALANCE TRANSFER card. So silly it hurts. Seems like a good company should let you know this before issuing a credit card. But I guess that’s why this country is financially screwed up, because it has no sense of how credit works.

Hope you’re happy Chase. You’ll never have me as a customer again (and I was actually thinking about opening a checking account).

Wow. Did they explain why?
I did a $9k transfer to slate for my checking account… no issues

Just applied for the chase Slate card, offering to transfer my high interest card balances and have 0% interest for 15 months. My credit score (to them) is 630, which I’m working on improving with the bureaus since a foreclosure 2 years ago. Every other creditor on my report has never been late!! Why only 630? Anyway, wanted to transfer my 18% Capital One account with a $4500 balance to them, and a $1000 balance on a Credit One card at 11%. Was turned down! Reason they say? Balances too high proportionate to credit limits. That’s why I’m trying to transfer my balances to you, so I can effect a quicker principal payoff Einstein! Why would you approve a person with a low balance to transfer? You’re not going to make any money off of that type of customer. And frankly, that type of customer doesn’t need to transfer their balance to another bank! Quit teasing people about something that you don’t intend to fulfill! And why invite me to transfer my balances if I didn’t meet your initial credit criteria in the first place? I have been paying both credit cards faithfully for years, always pay 4 or 5 times the minimum payment, and have paid them off 2 or 3 times each. It’s all on the credit report for them to see. Don’t waste your time!

Reading about this card with its no fee balance transfer for the first 60 days, I decided to take the offer. Before signing up, I called Chase which has the worst customer service phone options and make you run around to talk with a real person. After playing the phone game, I spoke with somebody asked if I can use the balance to pay off other non credit card debt, ie. home equity loan, which will require a transfer to my bank account. The representative assured me that the moment I receive the card, I just need to call and ask Chase to issue me a check and within 5-10 days, it will be deposited to my checking account.
When I received the card, I called Chase and ask for the check. I was being told that there is a fine print in the card member agreement that I need to wait for 90 days before I can get the balance sent to me as check. What I can do is transfer the balance to a new Chase card, which Chase can open immediately for me (how convenient), and I can use that other card to get balance transfer to my checking. Of course by doing that, I will ended up paying 3% fee on the other Chase card. After got transferred to the supervisor, I was given the attitude that I should not trust verbal conversation as they are not recorded and I should read every fine print in the card agreement. Followed by a lecture on how banking works, he said that he can cancel the card in less than a second. And here I was, canceling the card the moment I activated it. Big scam!

TERRIBLE card wish I didn’t apply for it, I got it approved in AUGUST- did a balance transfer to several cards in AUGUST as of today Sept 24 even thought it all was approved it still hasn’t posted to my cards so I had to make payments anyways! My discover/ Amex/BofA/Capitol one-ALL take 2-4 days at MOST to do balance transfers NOT over a month!!

Customer service not so nice when you call!

balance transfers can take 3 weeks, that would be a need to know, and could cost you money and don’t be late on your part they will not work with you that could also cost you money

Poor , non-English speaking customer service. Submitted app with 800+- on my credit score [all 3 agencies]. Was going to transfer 7K from another card. They approved and sent the card [5K credit line] but would only transfer 4K. Well why not communicate that ? The card does me no good now ! I called customer service and in order to my increase line of credit they wanted to resubmit credit app. Shoot , it was just done 5 days ago. I told them to cancel all of it, the transfer and card. Did I mention poor, non-English speaking customer service. Stay Away !!!!!!!!!!!

The positive to that kind of a transfer is it at least puts your old card under 30% utilization and you can concentrate pying off new card interest free or whatever their offer was.

Slate is a sham. Can’t transfer line of credit from another Chase card as advertised! Worst customer service EVER! No callback. No explanation. Nada! I cancelled the card immediately.

I had a horrible experience with Slate customer service. I applied for a card to pay off a balance relative to a house mortgage. I was approved for considerable amount. I experienced the same challenges mentioned in previous post. I also was a victim of personal theft during the process. I called and explained my situation, I confirmed my call was being recorded (I heard that Chase gave horrible customer service). Three transfers had been approved. (Please note: it takes at least two weeks for transfers to be approved). I was hesitant to cancel card but was assured by a customer representative, it would not stop the transfers that had already processed. I received new card. I called to confirm my transfers were moving forward. I was assured all was go. Three days later the accounts were not showing transfers. I call for the seventh time and spoke with a customer service representative (who was rude and unapologetic) when she told me that my transfer had been canceled. She gruffly explained that I would have to go through the whole approval process again. I explained we had already been approved and could we re-activate . She went silent, put me on hold and then said there was nothing she could do. I called back to speak to a manager to whom I was transferred, and he explained to me I had already spoken to a manager. I explained the rep did not transfer me to a manager. He gruffly agreed that I had not spoken to a manager, but explained he would could not help. Do not get this credit card. You will regret it. I have never worked with people so unprofessional, unhelpful, and down right rude.

I got my card called customer service to verify I received the card, then hit zero, talked to a Rep at the credit department, someone previously indicated that they asked you for a 3 digit number and they didn’t have one, its the number on the back of your card..Silly, I felt at this time getting the card to transfer my funds in 7-10 business days was what it normally takes, and 15 mo to pay off the debt is ideal. I will not be using this card and will not be carrying it either the idea is to pay this off without interest. Good choice for me. Then close the account and not pay the 17.99% due to the card they are paying off holds a 14% interest. So if you play your cards right and pay off the bill in 15 mo there should be on issue. I also opt out on sharing my information with marketers affiliated or non affiliated with them this is your option, giving secured questions to them is ideal most credit card companies want this plus set your self up for auto draft will make sure you don’t pay late fees, this is where you can get hit with a fee and could change your interest rate in the end. I feel that Chase bank is a good way to go they are part of JP Morgan, I felt since I have been in the collection business this is a good offer as long as you either pay this card off in the 15 months they give you, or at least pay it down and then transfer the amount left to another card to continue to pay it off even paying 3%-5% to a lower APR, with another card. The purpose of this card is 15 months no interest to pay off high loans on other cards it can be a win win for you if you stop and think why your doing this …ah…pay it off and live within your means. This is my thought and will be a winner for me.

I was hoping to transfer 4000 from my Chase Freedom card to this Slate card, but my understanding of the rules is that I will not be allowed to transfer from one Chase card to another Chase card… can anyone confirm this?

The terms and conditions state you cannot transfer balances from one Chase card to another. Sorry. I know this because I looked at it too for this reason. Hope that helps!

No you cannot transfer one Chase card to another. But you also cannot do this with other credit card companies……I’ve already checked several

yes, that is correct. It’s in the “Pricing and terms” section of the card’s site. “We will not process any balance transfer requests that are from any other account or loan that we (Chase Bank USA, N.A.) or any of our affiliates issued.”
This is also true for other companies like Capital one.

Same with Capital One.

Opened the slate account yesterday and was approved for 3500. Tried to do a balance transfer online and it was asking for the 3 digit security number which (duh) I do not have because I have not received the card yet. I called customer service and they answered on a Sunday (+1). Told me that if I wait for the card, funds would be transferred faster than a 14 day hold if I do it with them right now. Thinking it would be the same timeline I went ahead and did it over the phone. Went thru a set of security questions. The terms and conditions I was read said I will be charged 22.9% APR. No introductory 0%. Granted there was indeed no balance transfer fees, but still! I requested to speak to a supervisor. Told me that I was not eligible for the 0% introductory APR.

It’s not that they change the terms and conditions, it’s that those offers are absolutely contingent upon your application and creditworthiness. It’s not false advertising. Those offers are absolutely available and many, many people receive and utilize them. It sounds like in this case that unfortunately, for whatever reason(s), you didn’t qualify for the offer. Or they may have opted not to offer it for any number of reasons. That’s their right as the loaning bank.

Be sure to discuss at the time of application and review if you qualify for ALL of the benefits listed in the “prescreen” offer before accepting and proceeding.

I understand that those offers are contingent upon your application and creditworthiness, but they also state in their terms and pricing sheet that “Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a card with different costs or you may not receive a card.”

They may have confirmed this with themselves, but they did not do so (fully) with me before extending me the credit card offer on the phone. They asked me some questions, told me I qualified for $3000 and passed me onto the Customer Service Representative to complete the balance transfer I was wanting to complete. I then experienced the same scenario that “Bad Experience” had with the balance transfer debacle. I discovered that I qualified for the $0 balance transfer, but not the 0% interest rate (it would be going straight to 17.99%)…which was my main interest in this credit card in the first place, in order to pay off the balance of a higher interest card in the 15 months of which I am an authorized user. Of course they cannot tell you why that is (due to privacy, evidently) but had I been given that information up front or had the foresight to verify it with them, I would have opted to not accept the offer. I am a SAHM, have a credit score of 827, have never owned more than a clothing store credit card, but have a long history of making on-time student loan payments and other payments. So I can guess as to why I did not qualify for the 0%. However, I do feel it is a little deceiving to not have information like “you won’t qualify for the 0% APR for 15 months portion of the offer should you choose to accept” not communicated to you before being passed onto the next representative. When I called back to inquire, and read that portion of the Pricing & Terms statement to them, all I received was a “we never tell that” response. So yes, I’m a little unhappy about my experience as this will take a hit in my credit history. I’m also wiser should I ever choose to go down this path again.

Hi – I already availed this offer. Got approved initially for 10K, called and requested a bump in the CL and got approved for 15K. After 15 months now – I repaid the debt. I would like to avails this offer again. I am thinking to do a product transfer from Slate to Freedom and Six months later, planning to re-apply the slate for 0% BT fee 0% interest charge. Will this strategy work? Has anyone tried this before? Any advise is much appreciated. Thanks.

Arun that is some risqué planning. In addition you may hinder your credit scores. In days of free balance transfers and everyone was switching cards from one creditor to another I saw peoples credit scores drop often during these balance transfer strategies.
Be cautious on what you are trying to accomplish with your plan. You may pay off debt without paying interest but you may also lower your credit scores in the process and that may not qualify you for the 0% interest option.

Within 24 hours of signing up for this card so I could do a balance transfer and take advantage of the 0% interest and 15 month grace period I was approved for 3500 of credit. When I went to do the balance transfer they required the 3 digit security pin on the card that wasn’t even mailed yet. To top it off I now have a pending charge of $748 for a card I never used. Their customer service says the charge is pending and hasn’t gone through so there’s nothing they can do about it. This also reduces the amount I can balance transfer when the card comes in. These people need to be thrown in jail, what they are doing is wrong. FRAUD FRAUD FRAUD, DO NOT GET THIS CARD

The reason it requires the 3 digit code is to verify you actually received the card, and not some fraudster who stole it, trying to gain money from the company and you. You can still do a transfer without the 3 digit code, they just subject it to the safe harbor period. Look that up. It’s for the protection and benefit of all. It holds the transfer for 13 days to verify all information and give you the opportunity to cancel the transfer if it wasn’t you or anything else. When you have the card and input the code, they acknowledge you receiving the card and that goes away.

I have a chase slate card with zero balance and I want to do a balance transfer from capital one but they never offer me any balance transfers. The chase card has $8000 limit I would be transferring $3000. Can I apply for another chase slate card? I’ve had offers for citi and boa cards but I don’t want a hard hit on my CL

don’t bother with balance transfer. I’ve been waiting over a month and now they tell me it will take another month to figure out what they screwed up. meanwhile, they DID manage to post the transfer to my account and start the clock ticking. they won’t even just solve it by stopping the transfer request. so here I sit for two months with the same balance on BOTH cards, having to continually check on both cards and make phone calls to follow up. they also ASSURED me last week that it would be there before my lowes pmt was due so now I have a late fee on my lowes card….I should have known better. customer service was of no help other than to put in a ticket to research it for 30 days. why pray tell can they not just stop a transfer that has obviously not been completed.

I applied while opening my Chase bank account and was approved before leaving the bank, decision took 2 minutes, was approved for $4800, and had the card in hand in one week. They mail it to you. Painless, so don’t know if all the long wait times I see above are due to credit scores, or maybe not being a Chase Account holder, not sure, but for instant decision, I would think about opening an account.

After reading a lot of the reviews, noting both good and bad, I decided to take my chances and filled out the application online. It seemed to me more likely the ‘reviewers’ who claimed to have great credit but received a low credit line ($500) and high APR’s (22%) – most likely didn’t have as ‘good’ a credit score as they thought/claimed. I knew my was excellent so I proceeded. Within one minute I received a response advising I had been approved, credit line of $5500, and the purchase APR is 12.99% variable (intro APR is 0% for the first 15 billing cycles my account is open). It’s what I expected.

Same here. 5 transferred balances about 2 years ago, paid them off at the end of the promotional period, and used the card casually for another 6 months. I was concerned that there’s no incentive to have the account any longer, so I was considering closing it. This would extend my average duration of credit, increasing my credit score, but reduce my available credit and somewhat reduce my utilization ratio, reducing my score. I’d expect net nil overall.

In the end, I just called up Chase and was able to convert my account to a Chase Freedom card with no credit pull. I’m in my mid-20’s and the average duration of my credit accounts is short (1 8-year card three <4 years), so getting a new card would hurt my credit score in two ways – another hard pull and shortening my average duration of credit. I was very pleased that I could maintain the history with the slate account while gaining the benefits of the Freedom card.

FYI, you may want to check your credit. If your slate card was physically closed and you opened a new card with a different account number I’m guessing you have a new card with no history and the slate card may be still opened if you did not physically close it. They do not close accounts by phone,

For all the Chase inquiries out there, credit is not a privilege owed to you. It’s Based on your total credit worthiness. And is measured on your spending trends, debt to credit ratio, income, etc. You should look at them as “loan cards” and not “credit cards”. If you choose to try and live off of credit, you can only do that for so long. It just doesn’t work that way. You should only use credit for when you really need something done, like an expensive car repair or your TV went out or you have to bury someone. Keep those debts paid off monthly if you use them regularly. Paid down cards + better credit scores, can = higher credit limits. Good luck!

I really liked the vertical design of the slate. I just applied & got approved . Do you think chase can still make it the vertical way if requested?

Hey guys, I was told if you have a bankruptcy on your credit report chase won’t approve you for their cards, does anyone knows if there’s any truth to that?

Just received a credit card with a credit line limit of 35K. DID NOT APPLY FOR IT!
My credit file is blocked. How come?. Only possible explanation is that I did have an account with chase years ago.

They must be really wanting the business

I got a card in the mail and never applied for it.
my name was spelled wrong.
card did not say call to activate, it says call to “let us know you got the card.”
website wants social security number and a plethora of other PRIVATE info.
I called and the runaround was hysterical.
They wanted the password of my mothers maiden name.
They wanted to know my address
What county I was in
What my job was.

So what is the purpose of all these questions when they should have had them IF I had actually applied for the card.
There was much more during the conversation that I do not even remember. Tomorrow I may have time to call back and eff with them. This is pure SCAM.

You know, even if you DID apply for the card, they still have to verify that information. Just sayin’. It’s not like they can take it as face value when you call. And fraudulent applications like this are very common unfortunately. You’re aware of the Target and Home Depot breaches recently? Millions of credit card accounts compromised, and people gained private information from them. Also with the insurance company breaches, social security numbers and the like are now out there. So all someone has to do is apply for a card in your name, and the fact that it was spelled wrong and such is an indicator of the fact it is likely fraudulent. But they still have to do due diligence in verifying everything and you can’t fault them for that. Also, they did away with saying you have to activate the card, because people were getting confused somehow with activating cards they were already using. So Chase amended it to just say that you’ve received the card.


I was approved for $7,000 and I transferred $6,800 to 3 different credit cards and paid those off in full. I then set up an auto pay for $400.00 a month to the Chase account and cut the card up. So it’s like a Loan with zero interest for 15 months. I still use 1 card but just auto pay that in full. You should use any and all credit cards as your debit card just don’t spend more what’s in your bank account theres really nothing you need cash for these days and if you really need cash for something go to the bank and withdraw it but you should use your credit card for every purchase to utilize the benefits it provides.

Once the 0% APR is up, is the card good for much? I’m at the end of my successful 15 month and it has been awesome using it as a 0% loan but I’m finding it hard to come up with reasons to keep it post loan. Maybe transfer the limit to my Sapphire Preferred. But no perks at all. Thoughts on the card afterwards?

I just received my Slate with a high limit. I plan to use about half of the limit to pay all my credit cards off. If I pay off Slate before the introductory time is up, I plan to cancel the account. The normal interest rates are way too high for my pocketbook.

Jose Martinez

How long did it take for the transfer to complete for the other cards?

Be aware!!!

I applied today with a 650 credit score and got a credit limit of $5000. Is Slate praying on those with lower credit scores?…

I am unhappy that I applied for this card. I received a letter in the mail that told me about the $0 transfer and 0% APR for 15 months. I have excellent credit (790) and good credit history. I decided I would use the card to transfer a recent balance to pay off during the 0% interest period. I was approved for $5500 and she told me I would have to wait and see if I was approved for the $0 balance transfer fee and 0% interest. I asked if I could increase the limit and she said she would have to pull my credit again. Why would I consent to that when you just pulled it?! I don’t like to use more than 20% of my limits so without the increase and the approval of the balance transfer, this card is useless. I will be closing…what a waste!

Don’t close it, it’d do more damage than good to your credit score. Just keep it and don’t use it. Having a credit card with zero balance looks good on your debt to credit ratio.

I applied for the card and requested to be approved for a baance transfer of $2000.00. I was approved for $2000.00 max credit limit. They transfered the balance without verifying the amount to be transfered and maxed out my credit card within 1 day of having and could not do anything fix the problem. The representatives were great but this is ultimately a horrible way to be introduced into the Slate family. I personally would NOT recommend.

Be ready for it to take up to 40 days total to apply, get accepted, get your card, then have your balance transferred. The main reason I wanted this card was the 0 balance transfer fee and 0% interest on this balance transfer. However, it took 10 days for acceptance, more than 10 days for it to be mailed (which they later described as typical despite earlier assurances it would be 3-5 business days. I also live in a major city.), and they tell me it can take up to 21 days for them to have my balance transferred. I was trying to escape interest from my old bank, but ended up having to pay 2 monthly cycles of the interest anyway. For someone ready to pay down their debt in a few months, it might not be worth it. No one told me this and I didn’t see it on any other forum. Hope it’s helpful.

I applied 2 days ago and just got an email saying I was approved.

I have a Slate card with a very low balance – maybe $350. I noticed that my interest rate was 22.99% which is stupid high. So I called today and asked if they could lower it, since I’ve recently opened a mortgage with Chase and have other products. The answer was NO. I mean, not even a “Let me look into it for you.” It was like he was just reading from a script. “According to the contract, we can’t change your interest rate.” I’m like…what company does that? So I told him “I’m going to just pay this off and never use the card, then.” He replies “I’m sorry, if that’s what you need to do then go ahead.” I am shocked. Most companies will at least go through the motions of seeing if it’s available. He was just NOPE.

can someone tell me where i can have a application mailed to me

I applied and got the ” We will let you know within 30 days on our decision. If approved you will receive a card etc etc.. I’d this their denied message or is there actually a chance of getting approved? I have 3 cards currently through Capital One all in good standings. Not to mention the other loans and student loans. All current, I do have alot of Collection due to medical issues. But most of those are years old. Thanks in advance for your answers.

I applied and received the same message. I received a letter within 10 days asking me to call and confirm my request. I spoke with them this morning. I asked for a $3,000 transfer and was approved for $3,200. I answered the questions they had and they said the card will be in the mail and I can call them when I receive it to make the transfer. We’ll see how that process goes. I did not ask what APR I will have after 15 months, but I’ll find out when I get my card.

This is a racket, do not apply for this card, 0% APR and 0% transfer fee sounds great, but I have a great income and EXCELLENT credit score and have had ALL my life, I was approved for 2000.00 at 17.99%….ridiculous!!! I called and cancelled this ASAP before it could be sent out, my first mistake ever, and an inquiry now goes against my credit score, a terrible mistake on my part!!

Same exact story, excellent credit, they gave me a $3,200 credit limit and an APR of 22.99%. I have 3 other cards and don’t have an APR higher than 9.99%. I wanted the card to get the 15 month 0% interest. Was of time and now an inquiry on my credit. Don’t bother!

They disregard your excellent credit score and “issue” you a made up score, based on whatever they want. They’ll tell you it’s based on other customers scores – which will always lower your score by 200 pts and raise the rate. Excellent scores mean nothing! My score is 750 and they issued me a score of 535, denied my balance transfer request, yet gave me a new card with a rate of over %22. —

For anyone who was approved for only $500.00 CREDIT LIMIT, and successfully had the limit increased after speaking to a “Credit Manager”:

1. Did you call the Credit Manager before/after enrolling at
2. Did you call the Credit Manager before/after activating the card?

Trying to figure out the best way to resolve this successfully. Some companies view activation as an accept all “as is”…then will not work with you to increase credit limit, process BT requests initially submitted with application, etc.

If I still have a balance left on my Chase Slate card after 15 months, will Chase let me transfer it to another cc (not a Chase card)?

I am thinking of transferring a $9K balance from two cards to Slate. I have an excellent credit score (770 on Experion). But I heard somewhere that Chase won’t let you transfer your Slate balance to another card after the 15 months. True? If so, that would be the deal breaker.

Patricia Collins

I am pretty sure it’s not up to Chase whether you can transfer a balance from their card unless you want to transfer it to another Chase card. If you transfer to Capital One or Wells fargo for instance they just send a check to chase paying off the balance. Chase can’t tell you no you are not allowed to pay off this card. That would be ridiculous.

Thanks for the info. I am planning to apple chase slate card to pay off my other loan with high apr sooner. I am a loyal chase customer with 2 years of history. I have 7 credit cards from chase with 5k CL. Always pay the balance in full and on time. What are my chances of approval and what may be my CL? I really need a CL of atleast 10k.

I applied for the slate and put in to transfer three other card balances totaling $8100.00. It immediately came back that I was approved and said credit line was $800.00. I was a little thrown back by that and am wondering if that may be what the line is after the 8100 balance transfer. Probably wishful thinking haha

I was very mislead. I signed up for this card specifically for the $0 balance transfer fee. I spoke with a live representative on the phone to set up the balance transfer. I told them that I wanted to transfer a balance from my business line of credit with my other bank to the card. I specifically informed them that this was a business line of credit and not just a credit card. I asked if this was ok and they said it would work. So I waited and waited and I never saw my balance transfer. I called Chase to ask what the status was and THEN they tell me that they denied the transfer because it was a business line of credit. So this is totally messed up. I was pretty much lied to. There is nothing in writing about this policy of theirs when you sign up, and even the representative on the phone didn’t say anything. I tried speaking to a manager and explain how unfair this all was. And he just told me it was a “business decision” to decline the transfer and they outright refused to tell me why it had to be that way. They just will not care. I’m just one guy and they are huge. I make no difference to them. So I guess I’ll find a plan B and figure something out. But I will certainly never give them any of my business again and I strongly encourage that you do not either. I would only expect them to pull something like this again.

This chase slate was not useful to me and I closed this account. I had credit limit of $50000 on this account, but got following response from chase that I could not get that limit balance transferred into a checking account for use. I could get only $15000 of it balance transferred into another credit card.

Upon review of your account, I see that you do have an
introductory offer available, however, the option to
transfer funds from your Slate credit card account to your
bank’s checking account is not available. I regret, we are
unable to process your request. Also, if the option was
available, there is a cap of $5000.00, because there is a
limit of one ACH transaction up to $5,000 in per Chase
account within a 90 day timeframe.

The maximum amount that you can transfer as per your
current available credit as of today is $15,000.00. The
total balance transfer request(s) made online and / or
with a Customer Service Specialist cannot exceed $15,000
within any 30 day period.

how did you get 50k limit, thats huge. There are better ways to get it to bank account without just transferring it.

Write a check on another card then pay that off with the slate card.

I don’t like the interest rate on my slate…. I noticed that Chase increased my credit line frim $3000 to $6000. It was a nice surprise that I got an automatic increase, no notification. But I mostly use my FREEDOM card from 1200 to 6000.

I have a bank account with Chase that keeps a low balance. I have one Target card that I am paying off and a Barclays mastercard with a balance of 300-500 at 26.99 that I wouldn’t mind transferring. My fico was 657 and went down to 652. I don’t want a hard hit on my credit for nothing. What are my chances for a Slate? Or would Capital One be a better bet?

This is the worst of all the credit cards I have. I have nearly always paid twice the minimum, was never late, but the interest rate was much higher than normal and they would not accommodate you, as do other credit card companies. My credit limit was $8000 for years. Now Chase has the nerve to say they periodically check your credit (there has been no change in the score) – and they have reduced my credit limit to $2000. This didn’t phase me at 1st, as I would never use this card for huge purchases anyway as the interest rate is much higher than my other cards. Then I saw that I already have a balance that uses up this limit, so essentially they have left me with no credit limit at all. How very cruel of them, after my making prompt payments each month. If my credit limit is not raised ASAP, I will think twice before making another payment towards this balance whatsoever. They could have reduced it to $4000 –or a lesser number or reduced it gradually — not all at once. I have been a good customer and always made timely payments in person at the bank. What are they planning to do with all the credit limits they are busting? Build more Chase banks? There are already 4 banks within a one mile radius of my home and they seem to build more monthly. It is so wasteful! They are all almost always empty. The only thing good about Chase Bank is there is never a wait in line because they have far more branch banks than needed. Run don’t walk away from this credit card – and if they reduce your credit limit ever bother making a payment above the minimum. What nasty people!

Marie, were you late in paying a Non-Chase bill? Chase periodically reviews your overall credit and adjusts credit limit accordingly. Hope that helps.

I’ve just recently transferred one of my cards to the Slate card. My transfer was approved on 10/20 and posted to my Slate balance the same day. It is now the 24th and the card I transferred from has not yet received the payment. What is the time frame that I can expect the other back to receive this?

Keep making at least the minimum payments on the other card until it is paid off by Chase.


Only a slight impact of 5-10 points.

Her credit score and income may be low.

Anthony Lombardi III

Can I apply for a chase slate card even if I already have a chase freedom card?

Yes you can! I have a Chase Hyatt, Chase Freedom and the Chase Slate cards. The Hyatt card I use only for travel and really don’t spend that much on it, but pay the balance off when I travel. The Chase Freedom card I use for everyday purchases, but then I just got the Chase Slate and it was to pay off my other credit cards that were accumulating interest. Chase is a great bank to use for credit card usage.

Warning, I got a slate card but then they said I could not transfer other Chase cards to it. So much for balance transfer.

Cherry Barca-Swaggerty

I have had this card for about almost 3 years first promotional was good. Then they sent me offer on balance transfer I said ok it was good the first time let see this time. Any and all payment I make only go toward the promotional balance transfer. If I make purchases no payment that I make go towards the purchases so of course I get charged interest fee I pay all my bills so thatd I avoid any and all interest payments. I also have a best buy card and any payment more than the minimum goes to the balance with the interest fees. A big company such as JP Morgan should do the same. Every payment I make is the minimum for the promotional and any amount from the purchases. I will never do that again. I have paid balance even though my balance transfer promotional rate does not end until 2015. I would not recommend this card.

Great article, thanks! I have a $9000 school loan with department of education through Nelnet. I can’t pay with anything except a checking account (requires routing number). So my question is- is a balance transfer eligible to pay a school loan? If not, does Slate offer the checks for cash advance that I could essentially use to pay the loan balance in full? What would cash advance fee be and since that would continue w a balance on Slate per month, is that still 0%?

Thank you!

Stay with the loan program. Your interest will jump to 17.99% on Slate after 15 months.

Jay off topic since you know a lot. Why does chase have ? On app regarding bankruptcy if they won’t issue credit with one? Also can they legally change the terms of your app by not approving 0% transfer but then “approve” a amount, transfer your balance but charge interest even though you just applied for the balance transfer option?

I was thinking this, but then after I got the slate card they would not do a checks for cash advance for like 90 days. I had to make other arrangements and the slate card was useless for me. I took a loan from my retirement account instead.

I applied for this card to transfer balances. My credit score from the big three credit agencies is 736. Chase used a bogus score of 650 from some other, probably also bogus, credit agency I never heard of, based on multiple false entries not appearing on any legitimate credit agency reports, and giving me a limit of $800. This is obviously nothing but a scam to try to get you to take one of their cards with a blatant bait and switch tactic. My experience with American Express has always been beyond reproach. Don’t do business with these con-artists. Find a legitimate company.

Your experience is an exception.

No, it’s not an exception. Same exact story for me less than a week ago.

I just applied with an actual 650 score and was given a $5000 limit out of the gate…

I am interested in applying for the Chase Slate credit card because I have a balance due on my Care Credit card that I will be unable to pay. Does anyone know if Chase Slate will pay off my Care Credit debt?

When I got to the section about balance transfers, they only mentioned Visa, MC, Discover, Amex or a store credit card. Care Credit is none of those. Also, Care Credit does not accept another credit card as a form of payment. Only a checking or savings account.

Would be grateful if anyone knows before I apply.

What’s Care Credit card?

For us, Care Credit card is used for dental with a $2000.00 CL.

Yes sure, that’s one of the 1st accounts I payed off with the $0 BT rate, what a gr8 card so far… Had a 744 fico from Experian (from an acceptance letter from BOA cash rewards CC I applied for 2 weeks earlier 4 the free $100 cash reward they and Chase Freedom were offering in Oct 2014) I’d already taken the quicksilver card from Capital one 4 the same reward a cpl months b4 that in mid July. I called for the freedom CC 1st and was approved for 9k instantly and 10 mins later I applied for a Slate CC for the balance transfer deal, to pay off a few accounts and big purchases I’d previously made e.g My PC Richard spending spree (Post 1st major credit Approval -AVOID DOING LIKE THE PLAGUE lol) for my huuuugggee 3d tv n soundbar n 2 in1 computer n etc 😉 u get the msg I’m sure (I hope some1 learns from my stupidity) thankfully I still/only got $5700 more credit out of Chase …was still a great week tho 😉 all the hard pulls did cost me a few pts of my credit score but the new high limits were amazing for my DTI ratio and ended up giving me way more pts than I’d initially lost. Now in June 2015, my “NEW SLATE” card (I switched last wk) with a free Fico score dashboard, it says my score is now above 765, so I guess is now time to renew my car lease y’all 😉 So thanks again Slate… p.s tbh I’m not sure what 2 do with it after the last cpl hundreds buks are paid off and the 15 month intro offer is up, guess I’ll update abt that then…

This credit card is a crock!! They don’t work with you AT ALL! The interest rate was very high on this card. When I called to get it lowered (about a year and a half ago), I was told to try back in 6 months. 6 months later, told no…try back. No late payments, made the minimum each and every month. Then, last month, paid my balance off IN FULL and the day after I paid the balance off IN FULL, they charged me interest charges. I have talked to 3 representatives and getting no where. Any other place that sends you a bill, when you pay the BALANCE DUE, whether you were making monthly payments or not, they don’t add on interest charges. That’s why it’s called a BALANCE DUE!! How do they expect you to pay off your balance if they are going to add charges AFTER you pay the balance in full. Chase Slate and any of its affiliates will never be used by us again and we’ll be sure to share our story with as many people as possible!!

Wow! That doesn’t sound anything like the card I have @ALL!! plus all the experience I’ve had from Chase has been completely positive, this is all very confusing to me, reading negative reviews about a product I’ve personally found to be sooo helpful and has saved me so much money in interest charges… Wow, I guess there really are two sides to everything.

Can you able to transfer the credit from chase freedom to chase slate ?

CHASE will not allow you to transfer from Freedom to Slate at the 0% interest with no transfer fee. I spoke directly with a representative re: the same.

No you can’t I found out the hard way.

So people that say NO are correct.

If I get 10,000 limit and IF I use 8,000 will that effect my credit score? because of high utilization

Yes. Anything over 50% of your limit negatively affects your score.

NOOO definitely not 50% anything over 30% usage rates and ur score WILL suffer (just not as bad as 50% or worse 70%) best usage ratio is below 10% then u GAIN pts from debt (it’s called ‘Good debt’ and 5-10% controlled usage is actually better than an untouched Zero (which will likely be cancelled for lack of use like my Gap card was, WITHOUT even notifying you) I’ve had to learn the ‘truth’ the hard way unfortunately.

Just received the zero intro from Chase/Slate. Did they pull a hard copy or a soft copy to be pre-approved for this card? I have a BK that will drop off in December of this year, will they approve me for this card?



I don’t understand this transfer thing. So if I apply and approved they will let me use the card to pay off my other credit cards then pay them back?

Exactly correct (just as others have stated, not another Chase account,) then pay it off (if possible,) in 15 months and it’s essentially an interest free loan.

I was looking for a zero interest card to transfer two cards to. The plan was to excellerate my payments and pay off my debts.I was suprised to have an offer for a credit card with zero fees for balance transfers.
I applied on line and was accepted. Though I was frustrated, when my credit limit was only $500. I have very good credit.I felt the zero balance transfere fee was a gimmick.
I called Chase and was told that they would put in for a higher credit limit.
A few days later, I was again suprised to recieve notice that my limit was raised to the amount I needed to transfer both of my cards. It was a great deal all around, 15 months zero interest and no transfere fees
I give Chase credit for their excellent service.

Hi, which number did you call to speak with someone about CL increase?
I was recently approved for the Slate card as well and only received a CL of $500 as well an my credit is fine. I am still waiting for card to arrive, I had planned to go ahead and cancel it when I got it but maybe it’s worth a try to call….

I was also given $500, that seems like the status quo to start everyone out that I’ve read about here. I asked for a $5,000 total and they gave it to me, took a few days to get a letter from them, and it was a yes! No problem. But I did transfer $5,000 worth of balances and it is taking them 7 to 15 days, they say, to approve it. Meanwhile my Slate card now shows only about $12.00 left on it, of the $5,000 limit, yet the other cards (am-ex and wells fargo) that I was moving the balance from, still have their full total of $5,000 on them. Kind of weird!

Does the Chase Freedom card give back 5% cash on all purchases? Is there a limit as to how much it will do that for?

The 5% offers change every tree months. Sometimes it for gas or restaurants, others it” for purchases from a particular merchant such as Amazon or Kohl’s.
Otherwise it’s !% on all other charges. I wish they would include grocery chains as that is where I spend my most $. You can accumulate up to 1500.00 and you can use that to pay down your balance, which is what I do.
Hope that answered your question.
P.S. If you want to keep your interest to a minimum, pay each purchase within 21 days. I have the card and am very pleased with it as I use it instead of my bank debit card.
You might also consider Capital One Quicksilver which pays 1.5% on all purchases.

I have two credit cards one with a $ 1850.00 balance and one with a $ 1200.00 balance my experian credit score is 715. I am not aware of other credit scores. Would this card be good for me and would my limit be higher then my balance transfers combined & still be eligible for this 0% introductory APR until November 2015 and a variable rate of 22.99% after intro period & no annual fee. I have only been late twice in past two years on one balance but that was only because they would not change my due date when I asked without paying whole balance which I was unable to do at the time. Please help if u can.

I am sorry my current transunion credit rating is 648. I don’t kno if this makes a difference. Please advise.

Sign up for — it shows you ALL the reports, it’s a fantastic site and it is 100% FREE!!! They NEVER ask for your credit card info. Not like the other sites where they want to charge a ton. This is 100% FREE ALWAYS, Been on it for about 2 years and I can’t recommend it highly enough. It shows all your cards too and how much you have on each and how to FIX your credit and make it higher etc. Love it!!!!

Credit karma is not accurate. It sucks

I have had this card for about two, three years now and I have not had a problem with it ever. I have a high-700’s credit score and have transferred multiple balances to this card to pay them off with the 0% offers I continually get every month. There is a fee with each transfer as I am out of the opening period but how do you expect the company to make money? You think they’re really just going to give you 0% because they feel like it? They would end up being another failed bank. I have had nothing but good experiences with this card.

Chase Slate was the absolute worst company to deal with. I applied for an account and then when I realized because of restrictions on balance transfers that it wasn’t what I was looking for I called to close the account on the same day. A representative “closed” the account and confirmed that he did indeed close it for me, yet I received a card and a bunch of paperwork in the mail, so when I called back a week or two later it turned out the account was never closed, which also means a couple thousand dollars were transferred from that new credit line to another bank account since that transfer request was listed on my application. The other bank was able to transfer the money back into the account I will never use, but a payment was apparently due two days before the account was refunded (although the bill I received in the mail stated the bill’s due date was a week later from the date the representative advised of on the phone.. should have been 3 days from now)and I was charged a late fee. Although if the original representative would have simply closed the account as he said he did, none of this would have been a problem.

I just applied for a chase slate card. my credit score is low 620. but i have a barclaycard with a $13.500 limit and just approved for a Nordsrtoms card. i have a car payment of $500 that i’ve been paying for over 3 years. 2 other credit cards with a $500 with Premire bank , which i’m paying off to to drop the cards.i’ve never been late with any payment in over 4 years. my score is low because i have alot of medical bills outstanding, thats my only problem.
Is there any chance of getting this card.

Hey if you are gonna pay off the premier cards don’t cancel cards it will lower your credit score just cut up and after a while they will close them due to inactivity…..never close an account !!!!! If your credit score is considered good then you can get this card but if not probably not . Also if you are close to your credit limit on the Barclay that lowers your credit score so you might want to pay it down to raise score

I applied for a few cards from Chase over the last year. I got a $20,000 limit on one, $5,000 on another, and for the Slate I got $500. What’s up with that? Can they move my revolving credit limits around? I don’t really go over 10% of the Ritz Carlton card’s monstrous CC limit. I also have an older Freedom card that also has $5,000 limit. Was shocked to see the $500 lol

Pickup your phone and call them and talk them into it..
They gave me 3000 when I opened it 3 years ago, I called them immediately and talked for 10 minutes and they bumped it up to 10K.

did the do a hard hit for the cli ?

Depending on your credit score you can call and ask to speak to a credit manager and ask for a higher limit. They already have your last credit report when they determined your limit, which means that they don’t need to pull another “hard inquiry” which can be detrimental if you have applied for other loans in a short period of time. They often assume that you are desperate for more credit than you can handle.
Hope this helps.

Ask to speak to a credit manager and request a higher CR limit. The outcome will be how much credit usage you all ready have. Over 40% usage is a negative but there are several other variables such as as income and ability to pay.
Best recommendation is to check your credit report from all three agency’s and check for errors. If you find any, file a dispute (can take months to resolve).
Hope this helps, Steve

on which card did you get $20,000?

Yes, call Chase.

OK, need all your expert help! Due to the recession, job loss, kids in college, big losses on selling houses as we moved, we have too much in credit cards. Our credit score is pretty good: Discover shows it at 725, when we did an online free credit check that one came back at 765. We have about $13,000 with Discover. Interest rate is about 16.99%. I want to move that to a zero interest for 15 or 18 month balance transfer. But I realize reading here there are pitfalls for the ignorant! Help me not be ignorant! Oh, we also make about $160,000 if that is relevant.

1. If I just call Chase for this Slate card can they tell me how much I can be approved for (I want the entire $13,000 transferred) AND the interest rate? I don’t want to move it to a higher rate and certainly not the 21%!

2. If I call and they approve, etc. and I decide, nope, don’t like those terms am I at that point already the owner of a Chase Slate account I now have to cancel? I.e. can they tell me how much I am approved for and the rate before opening the actual account?

3. I keep seeing these comments on hard hit dings – how much am I going to hurt my credit score by calling a few places to find the best deal?


It all depends on you debt to income ratio. Adding all your minimum monthly payments and dividing that by your net income, the amount less deductions such as health plans, mortgage, car loans, income taxes, etc., will give you a good idea as to your credit worthiness. You might want to consider signing up for Credit Karma (not to be confused with CreditCarma which is a shame. The do monthly tracking of you credit scores and their are no “hard hits on your credit report. They also make recommendations as to which credit cards would be your best chances of obtaining a balance transfer account. (I do not work for them but have found them very useful in repairing my credit.
Also they make their money through advertizing and don’t charge you anything for the service.
As to your original question, Chase Slate will not give you a direct answer if you call. they will do a credit check.”hard hit” but that is not as important as if you request credit from several creditors at the same time which would indicate you are desperate.
One other point, with your credit rating you also stand a chance of negotiating with your lender for a lower interest rate. Just be nice and calmly suggest that their high interest is causing you difficultly in paying off their balance in a timely manor. It worked for me.
Hope this helps.
Also there can be variances as much as 20 points as to which credit agency they pull your report from.

I have a good credit report and have made 100% of all payments on time. How bad is this gonna hurt my credit score?? Anyone??

I recently got a 3000 dollar limit and transfered 3 credit card.balances that made a total of 940 $ my account has for barely two months. I have made my payments on time plus extra payments. I a letter in the mail from them cancelling my slate account. It said they believe being associated with me was bad for their reputation. They wouldn’t specify why??? Anybody had this happen

Do you pay by snail mail? You may have been late.

You may have late payments or charge-off amounts on your credit report.

I just applied for this card and was approved. On the application it asked for the account # and balance that I wanted transferred. The card was immediately approved for $10,000. The account # and balance that I indicated on the application is for a different Chase card.

In reading these comments it appears that Chase won’t balance transfer to other Chase cards. Would they have approved my application, with the Chase account # on the application, and then give me a Slate account and refuse to transfer the balance?

Can I simply say what a relief to search out someone who really is aware of what theyre talking about on the internet. You definitely know find out how to carry an issue to gentle and make it important. More people need to learn this and understand this aspect of the story. I cant believe youre not more common since you definitely have the gift.

I have $50,000 total balance on 3 Citi cards. Anyone know if Slate will open account with that high of a credit limit. 700+ scores, always pay above minimums.

Guru of high finance

I made the mistake of being drawn in by the transfer balance. I have since paid off my balance and do not wish to give them any more of my business. When making an electronic payment, it takes them 5-7 days to process this payment. During this time if you set the payment to execute on the due date, they assess a late fee because the payment has not gone through on the electronic side. This is the only card that does this. Need less to say they accrue most of their money from those dishonest and ill-gotten methods. In actuality the due date is not the real due date, it is 5-7 days before the due date. If this review saves one person from making the same mistake it was worth it.

I have done several balance transfers with Chase over the years and I just wanted to clarify a few things for some of the readers.

The 5-7 business day timeframe is how long it takes to process the requested balance transfer. This is a standard timeframe for all banks. It actually has nothing to do w/ the due date at all. If Chase says your due date is on the 5th of the month, you will not be assessed a late fee until midnight on the 5th, once no pymnt has been received. To verify this for yourself I would encourage you to check the date of your late fee against your due date.

It sounds like what happened was the processing time overlapped w/ the due date at your bank you were transferring the balance *from*. This is why Chase states in the terms (both read over the phone and mailed to you in the form of a letter) to “please continue to keep your other account current until you know it’s paid.” I am reading this straight from a letter I have in my records from my last balance transfer with Chase.

As far as payment processing goes, if you make a payment to them it is effective THAT DAY. The only exception to this is if you use a Bill Pay service through your checking account. But even then, the time frame on that is 2-3 business days. I can definitely understand that getting late fees for any reason is frustrating, but I’ve never ever been in a situation where they’ve been anything less than courteous when I’ve asked for a waiver.

Hope this clears things up for you!

Raeanne Young must work for the bank.

I so appreciate your posting this. I keep getting these things in the mail and although I have a high balance through another bank, which I trust, I am soooo relieved to know that my gut feeling was correct about this one. I knew it would be a scam somehow but couldn’t figure out how. Even in the regular information posted, it didn’t mention this. So now I know the scam and again, much much appreciation that you took the time to post this….!!

Thanks guru of high finance. Chase and other companies draw revenue using the same tactics.

Thanks for your comment, i just got this card and would have had no idea they do that.

Use common sense if u already know it takes them 7 days to process.

Question: My fiance and I are looking for a credit card to use to pay for our upcoming wedding. I was interested in this to put a large balance on it and then pay it off before the 15 months offer of 0%APR and before interest hits. But it looks like you have to pay the balance off in full each month in order to not pay interest is that correct?

Yes Rosalinda. That is true with any credit card. You’d be better off applying for a short term loan from a CU or bank.


This IS true on credit cards that don’t have an interest free period as the Slate card does. The only way to avoid interest is to pay in full each month.

However, with the Slate credit card you will not be assessed any interest at all during that 15 month time frame– that is why it is called a 0% intro period! 🙂

Hope this helps

I just received my Chase slate card with the 15 month 0% intro ! So as long as i pay the minimum each month and pay off the card before the 15 months is up i won’t have any interest charges will i ?

Had an older Chase card that was converted to Slate, I have never received a CLI and just last night asked for a decrease in the 29.99% interest rate and was denied. I do have a 75% balance but have never paid late. I have decent credit I have other cards with 11% interest rates. I figured I could get a slight decrease at the very least. Very disappointed.

can you still do chase split plan if your apr is 0.0%
and what is the minimum to do a split plan

Question…I have had delinquent payments to my cards. The last late payment was in 2011. I have been in credit counseling, from ’05-’10 but no longer. I paid off $50K in debt. I now have $1100.00 left on a 25.99% card. My equifax score is 711. My other 2 scores are 678 and 760. Is the slate card a good place to start? Thanks.

Credit card player chick

Slate is probably only going to go to someone with excellent credit, higher than you have currently. BUT, if you watch your mails at home should have better interest offers than 25% coming in (I hope.) Grab the one with the lowest interest offer and apply to that, esp. if it has a O% balance transfer offer to use over a period of months. Make the transfer even if it has a small charge associated. Only bother doing this if you can’t pay it all off in the next two/three months.

Capital One is better for you.

I have two accounts, not credit cards but charge accounts, both have rather high monthly interest rates, John Deere Financial and Bill Me Later. I would like to open a Chase Slate card account and transfer the balance of the two accounts , which combined is $4500. They are not credit card accounts per se, but revolving charge accounts. Not sure if Chase has interest or owns either of those companies.

Is that going to be possible with the Chase Slate card? Not sure of my credit score, but I believe it is excellent. Guess my question is, will Chase pay those two accounts providing I get a credit limit above that amount? Thanks! Any advice would be appreciated.

The interest on those two accounts eliminated would sure boost my amount that I could pay to Chase in the introductory offer.

As long as those companies accept payment of a credit card you will be fine to pay the companies with it and take advantage of the 0%

Although not directly mentioned here, I thought I would provide a warning about Chase’s Blueprint Plans.
I accepted a Zero interest balance transfer offer and set up a “Finish It” plan with automatic payments to pay off the balance before the interest rate kicked in.
Every month I had to manually make a payment. Had I not paid attention and assumed that the balance would be paid off in time I would have been hit with a huge interest charge.
Just a cautionary tale

I have several cards with no balance transfer fees: Navy Federal CU, SF Fire CU, Northwest FCU, Alliant CU, First Tech CU, Delta CU, Lake Michigan CU.

None of these have balance transfer fees. Some don’t have cash advance fees, either.

Can i do a balance transfer from another card that has a different name, my wife and i are currently helping my oldest son consolidate his debt so he can pay it off

Yes I have done this in the past a few times to help my parents

As long as your sons credit card is not with Chase, yes.

Hi im in process of rebuiling credit, i have 1 account in collection on each transunion and equifax for same thing and score of 703 and 689, i dont know what my experian score is, what are the odds of getting this application approved?

Hi Jr… I don’t see that anyone else responded to you, so I will. My credit score comes in around 675. I just bought a house, and have opened a couple of new lines of credit recently (all associated with buying the new house- home depot, lowes, and furniture). Chase Slate approved me for a decent credit line (by far the largest I have). That being said, I do have an auto loan through them as well.

Does anyone know of its possible to transfer a care credit card balance to this card. Care credit is a medical credit card issued by ge.

Hi . do you think there is a chance for me to get approved or should i go with a store credit card with less requirements than a prime card.. I have a score of 689-710 but my credit history is only 7 months old. have no balance on my first and only secured VIsa card and i was thinking on getting another card to use them both and keep building my credit . thanks in advance

thanks man i just applied and got $4,500 credit limit. now i will pay my other credit card off $500 with this, one and get my new xbox one 🙂

Card is ok until the interest starts. Just make sure you pay before that interest is high and I have a 717 credit. Never paid a bill late. The only reason is that low is because of what I owe in loans. Horrible credit card!

Applied for Chase Slate with credit score of 709. Was approved for a credit line of $3,000. Need to transfer $5,500 from another card with a 26.99% interest rate. Do you think there is any way to get a higher credit line to accommodate the entire amount that I will like to transfer from my other credit card?

I was in the exact situation as you. I was approved at their lowest rate, but for only $2,000. My chase banker immediately called them and asked if there was anything they could do. They had to run my credit again, and then I was approved for an increased credit line for $5,500.

If my husband has a chase card only in his name and i get this card in my name can I transfer his balance to my card.

I applied for the Amex Delta card today and was declined. Totally bummed. Reason: bankruptcy. We are 7 years out of bk. My scores are: 780 across the board (although I’m confident this hard hit will ding it a few). Have a nice debt utilization ratio. Would like to transfer some balances to this card – if I thought it was possible to get. Do you feel the bk would be a deal breaker. We have excellent cs and income.

@Jen – If you included Amex in your bankruptcy, then you could be on their blacklist and not eligible for another Amex.

How is your score 780 with a bankruptcy? Seems kind of high to me.

Hi. i have been reading a lot of the comments, questions and answers people have and it has help me to understand a few things about this card. I already have 2 store credit cards and can only use them at their stores. I would like to put them together in one card and have one bill each month and be able to use it in other places, too. What I really want to know is can I do that and if i did that would i get a higher APR? How long does the card take to arrive?


You absolutely can transfer your store credit cards to the Chase card. Doing so will not increase your APR. You will be given the APR the card is approved at, regardless of a balance transfer.

For how long the card takes to arrive, this depends on when it gets approved. Sometimes the approval process is instant, sometimes it takes a few days. The typical time frame once the application has been approved is 7-10 business days.

My wife and I are considering the Chase Slate card. She has a higher credit score, but I have substantially more income. How should we fill out the application to give ourselves the best chance of approval with the lowest APR?

I would like to to know the answer to your question as well .Did you ever get a response?

Can you use this card for a balance transfer and purchases for 0% apr? I heard some credit cards would stop the 0% apr when you used it for both.

@ Ramona,

Yes you can use the card for both. The only thing that will not be at 0% are cash advances.

Hi. Just hit “submit” on an application (was accepted) and realized I didn’t include any balance amounts I want to transfer. I guess I just have to wait for the card to show up and then call Chase to make the transfer?

Don’t worry that’s not a problem, because all balance transfers completed within the first 60 days will qualify for the no BT fee promotion. So after your card arrives just give them a ring and do the transfer then. Enjoy the offer!

Hello. I just applied for the card and also realized that I didn’t includes the card balances. I was only approved for 500, although my credit score is 734. Will chase increase the CL to the amount I need (about 8500)? Would I most likely have been approved for more if I included the balance? Any advice would be greatly appreciated.

your score has nothing to do with that, mine is over 750 and they only approved me for $500 limit , and I was wanting to transfer a different card with over $3000 on it, so that card will be useless to me unless they up my credit line, guess I will be cancelling it

Can we build credit history with Slate credit card?

Jacob Jones,

Why not just pay off the student loan with the Slate card? It is a 0% introductory APR on all balance transfers AND purchases for the first 15 months.

@ Terry,

Unfortunately, the balance transfers cannot be processed to loans. They can only be used to pay towards credit cards outside of Chase. Your best bet would be to contact your student loan agency and see if they accept credit cards as payment. If they do, the transaction would be considered a regular purchase and therefore would be at 0% apr.

What is the typical credit limit on this card?

I really would like to rebuild my credit. Is this card a good starting point?

Bernard E. Piaia

I’ve been a current account holder for chase for the last couple of years! Need to know what is a the average credit score acceptable by chase.

Yes, I got this card 17 months ago with a CL of $500. Now I have 2 cards with a combined CL of $15K. I also pay my bills in chunks and rarely carry more than an 18% balance. But yes. This is a good starting point to build credit.

I would think so if the eligibility is at Good.
Another good card if you are declined is store charges like Macy’s not Target or Old Navy then within 6 MONTHS but in good standings you’ll need to make a purchase and then pay it off each month; then apply to any other card.

Can you transfer a balance from Chase Freedom to Chase Slate under this promotion?

I cant see that this question was clearly answered above.

Unfortunately not, sorry. None of the card issuers allow balance transfers amongst their own cards.

If you need to move your balance from a Chase card, then check out this long 0% offer from Discover.

I really want to apply for that card but not sure if there is a good chance to be approved. My Equifax score is 709, but Experian is 512. Do you think I should wait till my score improves.

I would wait to get all credit scores above 700 and get credit to debt ratio below 30%

I applied for a chase slate card yesterday, it came back pending. Does that usually mean No.

Not necessarily. Sometimes they need to validate you identity, or have a human (rather than computer) look a little deeper in to your credit report. Don’t hesitate to call and speak to someone about the application. Be sure to know the details of your own credit history.

Wonder why there is a question on the application if you have a bankruptcy when in reality from what I understand they won’t extend credit if be is on credit report. Why would they put somebody through that.. :/

I had that happen also and I was approved in about 10 days. I got an email saying welcome to chase. My card arrived about 3 days later

I applied for, and was approved for the Slate card. They told me that my credit score was 721, but I was still given the 21.99% interest rate; it’s a good thing that it’s 0% for 15 mo., I don’t anticipate using it after that.

Is it better to include how much of a balance you want to transfer to a new Slate card while applying or wait until the card is issued and you know how much credit Chase will extend?

In my opinion the first option is better (entering the balance you want to transfer on the application).

Can I transfer balances from my Best Buy and Sears credit cards to the Slate Card?

Yes, that will work, assuming you have the newer Best Buy card which is issued by Capital One (previously Chase issued the Best Buy card, but not anymore).

I just received my Chase slate credit card. Is it possible to transfer a balance from my American Express to this card?

If you have a balance on a different type of Chase credit card, is it possible to open a Slate card account and transfer the balance?

There are no banks which let you use balance transfers internally. To get a 0% offer you will have to transfer to a different bank. Here are some to check out:

Do not apply for the Slate card if you are hoping to use the no fee balance transfer offer to pay off non-credit card debts. I was, shall we say, a bit confused into thinking I could do that from their commercials. I applied for and was instantly approved for this card around September 24, 2012, and issued a $7500 credit limit. I received the card yesterday and called today to inquire about transferring a part of my student loans (federal direct loans, though I doubt it matters). They informed me (on the phone) that I would have to be issued an “access check,” which, by their policy would not be issued to accounts younger than 90 days. I then directly asked if there was any way to take advantage of the 60 day no BT fee offer for a non-credit card loan. The response was that it was not possible. So there you have it. I requested they close the account and not report the existence of the account to the credit bureaus since I did not use the card and I closed it within 90 days; they said they could do that.

Thanks for your post. I was about to apply for the Slate card for the purpose of transferring a student loan balance. Now I know not to.

@ Johana just letting you know I was able to transfer a student loan on to my Discover It Credit card, it was a parent loan though but you can try!

Pay off the portion of the student loans with a cash advance from another card and then transfer the balance to Chase.

Is it possible to charge some of the student loan into an existing/different card like from Citi, and then balance transfer that into the Slate Card?

How much would a $25000 balance monthly payment be? We are planning to pay off student loans with the slate…

What is the minimum monthly payment based on? Is it a % of the balance?


Here’s what it says on the application:

“The minimum payment used is the greater of $25 or 1% of the balance plus monthly interest calculated for each month in the calculation.”

This is really the best card for people who carry credit balances. This is one of the few cards that offers 0 fee balance transfers.

One of the things I like about the Chase Slate is that it is aimed at people who have a balance. I would rather have the somewhat lower rates that Slates charges then get some different card that gives 1% cash back at a 4-7% higher APR.

I applied for and received a Slate Card. I was extended a credit of $6,000. On Saturday 2/4, I transferred 3 card balances. Online today 2/8, they are offering a $0 balance transfer fee and 15 months instead of 12 months 0.0% APR. Considering that I just made this transfer on Saturday and today is Wednesday, I would like to be extended the same offer as they are offering today. Is this possible?

Hi Doris, this latest offer is for a very limited time so unfortunately, they wouldn’t be obligated to give it to you since you applied before it was launched. Perhaps call customer service at Chase though to see if there is anything they can do. Good luck!