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I got a Chase Freedom in April w/$3k limit. At the time, it was either close to my highest CL, or my highest CL. I've since gotten CLIs from other cards, so it's now among my lowest CL.
I want to finance a $600 to $700 purchase @ 0%. So, I'm debating between a Slate and Citi card. So far, things have gone well w/Chase, and I"m very happy w/their CS. However, I know that CCs have total limits they'll extend to people. Also, it's only been 4 mos since I got the Freedom. So, I wonder how I'd do w/Chase for a Slate.
I've also seen several Citi cards w/0% offers. However, it seems I've read mixed reviews here w/them. Maybe that's just typical, since everyone has different experiences. Also, I did have a CO w/Citi back in the 80s. I'm not sure how long and good their memory is.
So, I"d reallly appreciate your advice... Would I be better off trying for a Slate or Citi?
Thanks!
BTW, my total util is presently under 3%. However, I used an Apple financing offer @ 0% for $6k. So, once that reports next month, my util w/ be closer to 12%.
Yeah! Total sticker shock when I went into the mattress store!
If it won't have a negative impact on my CR (and on my CCs who soft me), then the GE credit would be easiest. Also, the 0% CCs I am seeing don't have rewards. (Though I may be missing something.) So, I wouldn't use the card for anything except this purchase. On the other hand, it would probably give me a nice boost for util, which I probably wouldn't get from GE credit.
I've learned so much from this forum, I almost have TMI! I've worked so hard on rebuilding my credit, I just want to be sure I'm making the best credit decision.
@bichonmom wrote:Yeah! Total sticker shock when I went into the mattress store!
If it won't have a negative impact on my CR (and on my CCs who soft me), then the GE credit would be easiest. Also, the 0% CCs I am seeing don't have rewards. (Though I may be missing something.) So, I wouldn't use the card for anything except this purchase. On the other hand, it would probably give me a nice boost for util, which I probably wouldn't get from GE credit.
I've learned so much from this forum, I almost have TMI! I've worked so hard on rebuilding my credit, I just want to be sure I'm making the best credit decision.
The GE card will still report a limit. Mine does at least so it should help with util.
@jsickz32 wrote:
Last month i got a king size foam mattress for 400 something....
Wow I don't even think you can get them from the thrift store for that cheap lol!
Chase CC has Blueprint, which allows you to pay no interest on purchase while carrying balance from BT.
Either card works fine. I suppose Chase Slate is easier to get, since Citi Simplicity is a no fee CC.
@mmduluth wrote:
@jsickz32 wrote:
Last month i got a king size foam mattress for 400 something....Wow I don't even think you can get them from the thrift store for that cheap lol!
http://www.walmart.com/ip/Spa-Sensations-12-Theratouch-Memory-Foam-Mattress-Multiple-Sizes/10086752
it was 400 something with taxes...i know its walmart but that thing is comfy lol
@bichonmom wrote:I got a Chase Freedom in April w/$3k limit. At the time, it was either close to my highest CL, or my highest CL. I've since gotten CLIs from other cards, so it's now among my lowest CL.
@I want to finance a $600 to $700 purchase @ 0%. So, I'm debating between a Slate and Citi card. So far, things have gone well w/Chase, and I"m very happy w/their CS. However, I know that CCs have total limits they'll extend to people. Also, it's only been 4 mos since I got the Freedom. So, I wonder how I'd do w/Chase for a Slate.
I've also seen several Citi cards w/0% offers. However, it seems I've read mixed reviews here w/them. Maybe that's just typical, since everyone has different experiences. Also, I did have a CO w/Citi back in the 80s. I'm not sure how long and good their memory is.
So, I"d reallly appreciate your advice... Would I be better off trying for a Slate or Citi?
Thanks!
@BTW, my total util is presently under 3%. However, I used an Apple financing offer @ 0% for $6k. So, once that reports next month, my util w/ be closer to 12%.
Did you not get the 0% intro offer for the Freedom?? If you did, why not use it and save a HP?
The freedom didn't come with an intro rate. It had a cash reward/rebate instead. Plus, it's been over 4 mos, so I don't think purchases would still qualify.
I bought the mattress today on my Navy card. I think I'm going to look at Citi cards and app for one for a bt. Hopefull they'll approve me.