Got shot down for slate

For just about anything you want to get off your chest about credit cards.
6 posts
DeadSpider
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Joined: Tue Jun 12, 2012 10:51 am
Location: Las Vegas

Got shot down for slate

Postby DeadSpider » Tue Jul 17, 2012 11:50 pm

I've applied for SLATE to do balance transfer from one of my cars and save some $$$ after waiting one day and calling the Indian dude said decline and will get a letter in the mail in 10 days.
WTF i know i have a BK that will be gone from my record in Sept. 2014 but i don't know why ??

I have a Chase Freedom card with 5K limit and funny i applied for Amex same day and was approved.
Wait for letter see the reason and recon ? or just do it before the letter ?

I really don't give a #$^%@$^% if i get or not and they refuse to lower my 29.99% saying well since we got your account from WAMU your SOL.

I just use it when my AMEX not taken and NEVER keeping balance on it ARE YOU NUTS @ 29.99
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014


MemberSince99
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jul 18, 2012 6:24 am

Call the Chase analyst number for recon. The CSRs can't do that but an analyst could overturn the decision for you. The number is and you will speak with an analyst who could help you. Nothing at all to lose by trying except time.

And it's rather disturbing how many of these things are done by Indians. Off topic, but where are we all going to work in the future US? I've thought about trying to escape to Canada before they put up the fences to keep us in here while saying it is to keep others out - I know that's a lie because look at all of them you see over here. It's crazy really. Maybe that's why I play the credit game so I don't think about how screwed we are and how much we get the shaft from those who run this country for their own profit as their own little fiefdom.

DeadSpider
Platinum Member
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Posts: 82
Joined: Tue Jun 12, 2012 10:51 am
Location: Las Vegas

Fico scores

Postby DeadSpider » Wed Jul 18, 2012 8:32 am

By the way MemberSince99 which service are you using to get all 3 of your Ficos ?
I was thinking maybe Amex service but it get expensive @ 15 a month for two people in household.
That's $360 a year there goes all my reward $$

Once I'm more awake and the coffee kicks in i'll call the 888 # and post the results.
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jul 18, 2012 9:01 am

The Amex service doesn't offer true FICOs they are only FAKOs. It is a good service in my opinion, but they aren't FICO scores. I know of no way we can get a true EX FICO, only way is through a lender as far as I know.

FutureBillionaire
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Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Jul 18, 2012 1:20 pm

You can get FICO scores from Equifax.com or myfico.com.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

DeadSpider
Platinum Member
Platinum Member
 
Posts: 82
Joined: Tue Jun 12, 2012 10:51 am
Location: Las Vegas

Got an American dude

Postby DeadSpider » Wed Jul 18, 2012 6:26 pm

Called the 888 # got somebody right away not even an option to choose from WOW and he spoke ENGLISH !!!

Anywho he said no because i'm showing BK on my record and that's the only reason.
I told him i do have a Chase card over 5+ years (from Wamu) he said sorry can't do anything and not sure how you slipped in with the BK.

BK comes off late 2014. I was suprrised AMEX approving me same day they were in my BK in 2004 i think it's because I'm AU with AMEX.
Chase did convert my card to Freedom last month and gave me $500 CLI after credit pull.

Do they still do free credit report if your denied for a credit card ?

My FICO score is over 700 came free with my AU amex card.
I'll get the new FICO when my own AMEX comes in soon.

Thanks for all the help. No more app for me till BK comes off in Sept 2014 :)
Cap! QuickSilver VISA 2005 $6500
Chase Freedom MC 2006 $5000
Amex Sky 1999 $2000
BCE 1999 $8800
NFL 2013 $1500
Discover IT 2013 $3500
FICO July 16/2012 ---- 742 Experian (Amex)
BK comes off ---- 9/2014



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