Slate/Freedom conversion

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Calipso
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Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Thu Feb 14, 2013 4:40 pm

Gamma wrote:Oh man you're lucky to have all that available credit with that income. I make close to 28k a year and got about 32k available credit and I'm a bit afraid that if I apply for credit, I might get rejected because my credit exceeds my income. Good job on obtaining all that and good luck with your goal!


The way I look at it, it took over ten years to get to this point. I had terrible credit from 2000-2008. Once the negatives fell off, I was golden. The banks I've done business with for over a decade and who stuck with me (RTN FCU, NFCU) were the best and i'm loyal to them for sticking with me.

I'll be glad have $100,000 in credit and not use it or hardly use it.....so when I app for a mortgage or a new car the banks see I'm a responsible borrower and will hopefully give me lower APR. If any bank has an issue with my available credit, I'll just find another willing to do business with me.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500


ncosky290
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Posts: 182
Joined: Tue Feb 12, 2013 7:37 pm
Location: Minneapolis

Postby ncosky290 » Tue Feb 19, 2013 8:27 pm

Calipso wrote:The way I look at it, it took over ten years to get to this point. I had terrible credit from 2000-2008. Once the negatives fell off, I was golden. The banks I've done business with for over a decade and who stuck with me (RTN FCU, NFCU) were the best and i'm loyal to them for sticking with me.

I'll be glad have $100,000 in credit and not use it or hardly use it.....so when I app for a mortgage or a new car the banks see I'm a responsible borrower and will hopefully give me lower APR. If any bank has an issue with my available credit, I'll just find another willing to do business with me.


Fantastic Job with your cc line up. 4 Amex cards. They must really liked you a lot. Took them forever to give me just one and then when they did the limit sucked but i am going to work and PIF monthly to get that raised at 61 days and 6 months after the initial. Nick*
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

odorfreedk
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Joined: Mon Feb 18, 2013 6:27 pm
Location: California

Postby odorfreedk » Sat Feb 23, 2013 8:48 pm

To the OP: how long were you a customer with chase credit? I actually called in to ask for my upgrade bc I currently have a slate card but they said they were bound by law to offer Product changes only after a year with chase. Mine's due sept 21, 2013 which is somewhat far. Anyone have any ideas how to work around this? or is the 1 year mandatory...

PS. I've had the slate card since nov 2012

SuperKirby
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Posts: 73
Joined: Tue Mar 19, 2013 1:41 pm
Location: LAS / OKC

Postby SuperKirby » Sun Apr 14, 2013 7:40 pm

My oldest revolving account is my good ol' Chase Slate from 2003. So yup, my AAoA is a whoping 10 years! My next revolving is a BofA card opened in 2005 FYI.

I am accumulating points with my CSP right now and would love to product change my Slate to the Freedom. If I do, will my Freedom be listed as an open account from 2003? or now (2013)? And for what credit reports? Obviously that would affect my score big time. And also, does Chase soft pull for this? Thanks all.



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