What to do with Chase Slate card

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[email protected]
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What to do with Chase Slate card

Postby [email protected] » Tue Oct 27, 2015 11:17 am

what to with Chase Slate card (CL 2.2K)

(A) wait to see if I get a CLI later and then move some credit to other cards
(B) move some now to either or both Freedom (CL 3.5K) or Marriott (CL 5K)
(C) try to upgrade to another card ( but won't get sign-up bonus)
(D) move it & drop it

Any Suggestions?


Discover it $1,000 CL (7-29-15)
Chase Slate Visa $2,200 CL (7-31-15)
BOA cash rewards Visa $1,500 CL (7-31-15)
Chase Freedom Visa 3,500 CL (9-01-15)
Cap one Quicksilver one MC $500 CL 9-09-15)
Marriott Rewards Premier Visa Sig. $5,000 CL (10-20-15)
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K


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CarefulBuilder14
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Re: What to do with Chase Slate card

Postby CarefulBuilder14 » Tue Oct 27, 2015 12:07 pm

Don't do C.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

[email protected]
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Re: What to do with Chase Slate card

Postby [email protected] » Tue Oct 27, 2015 1:06 pm

CarefulBuilder14 wrote:Don't do C.


Yeah, would miss out on Bonuses.
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

ingramjuan
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Re: What to do with Chase Slate card

Postby ingramjuan » Tue Oct 27, 2015 10:14 pm

[email protected] wrote:what to with Chase Slate card (CL 2.2K)


Based on your card line up, I would just keep the card and ask for CL across the board on all cards, as long as its a soft pull.
Mid December is a good month to ask for a CL
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Nixon
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Re: What to do with Chase Slate card

Postby Nixon » Tue Oct 27, 2015 11:13 pm

[email protected] wrote:what to with Chase Slate card (CL 2.2K)

(A) wait to see if I get a CLI later and then move some credit to other cards
(B) move some now to either or both Freedom (CL 3.5K) or Marriott (CL 5K)
(C) try to upgrade to another card ( but won't get sign-up bonus)
(D) move it & drop it

Any Suggestions?


Discover it $1,000 CL (7-29-15)
Chase Slate Visa $2,200 CL (7-31-15)
BOA cash rewards Visa $1,500 CL (7-31-15)
Chase Freedom Visa 3,500 CL (9-01-15)
Cap one Quicksilver one MC $500 CL 9-09-15)
Marriott Rewards Premier Visa Sig. $5,000 CL (10-20-15)


a) Don't count on a CLI..
b) Perhaps, Maybe leave $1,000 on it and keep it for the free FICO.
c) Whaaaaaa? Crazy talk, friend.
d) I'd say leave it open for the account age and then use it for available credit to chop and drop if lending won't approve more exposure.
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augiedog
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Re: What to do with Chase Slate card

Postby augiedog » Tue Oct 27, 2015 11:32 pm

Why do you have a chase slate? Balance transfer offer? You can keep it open and ask for another balance transfer with a promotion once the current promotion expires.

If you don't want that then you should transfer the credit line to your freedom and close it.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

Vermonster
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Re: What to do with Chase Slate card

Postby Vermonster » Wed Oct 28, 2015 6:44 am

Transfer all but $500 (the minimum Chase will allow). When you need the BT later in life, ask for an offer and take the HP for the CLI. It will be no different than closing the card now and opening it later, except you get the account history.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Nixon
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Re: What to do with Chase Slate card

Postby Nixon » Wed Oct 28, 2015 8:50 am

Vermonster wrote:Transfer all but $500 (the minimum Chase will allow). When you need the BT later in life, ask for an offer and take the HP for the CLI. It will be no different than closing the card now and opening it later, except you get the account history.


I patently disagree with HP for CLI regarding Chase. They are truly known to be buttheads in most cases when it comes to this.
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[email protected]
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Re: What to do with Chase Slate card

Postby [email protected] » Thu Oct 29, 2015 8:01 am

Thinking of transferring $1000 to Marriott Rewards (would make it CL 6K), & $500 to Freedom card (would make it CL $4K)
Couple questions, does the account you are transferring to have to have a $0 balance>, & there is no HP or anything to effect my credit score right? Thanks
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

takeshi
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Re: What to do with Chase Slate card

Postby takeshi » Thu Oct 29, 2015 8:39 am

Nixon wrote:Don't count on a CLI.

They can happen but +1, don't count on them.

[email protected] wrote:does the account you are transferring to have to have a $0 balance

Nope.

[email protected] wrote:there is no HP or anything to effect my credit score right?

Picking nits but none of those effect (verb in this usage) your score anyway -- they affect your score or can have an effect (noun in this usage with a different meaning) on your score. Only potential impact is any change to individual utilization but overall wouldn't be impacted.



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