@travisp33 wrote:Alright, Ill give it a shot. (I did ask if I could explain the new accounts, but he just said it wouldn't matter. ) but maybe Ill have more luck with a different rep.
I am totally a revolver - If people want to float me at 0%, Im all game. Im actually sitting on a nice chunk of cash at the moment, and trying to decide what to pay vs transfer vs let ride. Maybe they figured out my wife has a slate, we bal transfered to it, let it ride until the last day, paid it in full, and never used it otherwise!
Don't call yet... Give a like an hour and be prepared to call the next few days until you get the right analyst..... If you call now, you may get the same person.
Just politely and innocently say I applied for the Slate and wanted to know if there is anything else needed to complete my application and then let them ask you a question.
Don't say: I called a few minutes ago and the analyst said to go pound sand (jk). Just don't volunteer that info.
I tried earlier today for slate after being approved for the Hyatt, same day. Got declined for slate. Called recon and said too many accounts in the last 2 years. That's odd, my AAoA is 1.5 years. So yeah, every account but my Student loans are new (to chase). she didn't even let me explain the new accounts. Just said, sorry we can't reconsider this app at all! But she did say to enjoy my Hyatt card. 
oh, and she did confirm that they used the same HP as the Hyatt app.
@Anonymous wrote:
@travisp33 wrote:Current deat is about 38% on total avail revolving of ~125k. I do, however, have a bunch of assets (cash, investments) they didn't even bother to ask about. Iv'e kinda been hoarding cash for the last 18mos due to an IRS thing I was afraid would turn into a big problem, but which is now resolved.
I picked Slate because of the current 15mo 0% on transfers with no fee. Basically just looking to shuffle some money into zero % and pay the rest off.
38% is not bad... Pay close attention to what they say and come up with a rebuttal. Be confident as these people are human beings... I don't believe in chit chatting with an analyst. So be polite but get straight to the point.
Not bad? 38% of $125k? You're in my territory now. Prepare for denials 
I got two Chase cards, Marriott and Hyatt in December and January, but I've got 18 years of various other card history with large balances, lots of history on too-high balances directly with Chase, was paid down substantially on Chase cards, and have had an active checking account with them for 4 years.
I'm guessing they see that large lump of debt and are not keen on getting it on their card.
Edit: And none of my Chase cards has any BT offers, even, especially, the Slate with an $11k limit that I'm still paying down over $5k on a Forever 4.99% rate one of their earlier banks gave me eons ago. They gave me PIF cards. The last card I closed with Chase in October was from 1998, because they converted the rate to 29.99%, it had a zero balance and they did not want to lower the rate.
