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.
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?
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