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OP, Chase pulled TU for me in SoCal.
@-Cain- wrote:OP, Chase pulled TU for me in SoCal.
I'm in Socal as well and Chase, Citi and Amex pull EX....Discover EQ....Barclay TU.
Hope that helps.
@baller4life wrote:
Don't count on Chase to give you a high enough limit to do a bt. They are notorious for giving low limits on Slate for some reason.
Always consider the source. People applying for BT cards tend to have high utilization. High utilization will restrict the limit that one qualifies for as well as APR.
@Anonymous wrote:
What are my chances of getting a CL high enough to combine balances?
We can't tell you that. However, you need to keep utilization on the card you intend to use for BT'ing. If you need $X to cover the balances then you'll need quite a bit more than $X to keep its utilization in check. That is, unless you intend to pay off $X within a few months.
Keep in mind that the general advice is do not exceed 30%. You could probably push it to 50% for a short period of time. Short term high utilization generally isn't an issue but prologned high utilization can lead to adverse action.
@Anonymous wrote:
How quickly does an inquiry show up on a credit report anyway?
Immediately.
@Anonymous wrote:
I'm in No Cal. Which bureau would Chase pull from?
Google the Credit Pulls Database but keep in mind that multiple pulls are always a possiblity.
Also, don't know how many CCs you've aquired in the last two years, but Chase has a policy for their own cards (Slate, Freedom, CSP) that you can't have 5 or more new cards in the past two years. Some people have been successful in spite of it and I've been off the board about a week so it could have changed in that time. But look into that before counting on that.
My experience has personally been that Slate was not a limit that would accomodate the BT I wanted. You might look into other cards that are more useful long term. If Chase is a possibility, maybe a Freedom instead? Not sure how long their 0% is for vs. Slate. I don't recall if you have a Discover, that'd be another good choice.