bradmaster wrote:Hi daveg38,
Congratulations! So, just to clarify, Chase allows you to transfer your credit history from your previous CCs? Or the secured balances from Cap 1, Orchard to increase your CLI?
Sorry if this is such a dumb question
Just want to make sure, also which one did they HP?
Thanks in advance!
Chase allows you easily transfer credit limits from other Chase cards to different Chase products. In this case from Freedom to Slate. They were able to give OP enough credit line to balance transfer the total balances from Cap1 and Orchard cards.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
Don't forget I should be able to throw my $500 Apple line onto Ring. If not, it gets SD like Cappy 1 (Cappy running on 2 years old - better keep it for AAoA girth)
Jutz wrote:
bradmaster wrote:Hi daveg38,
Congratulations! So, just to clarify, Chase allows you to transfer your credit history from your previous CCs? Or the secured balances from Cap 1, Orchard to increase your CLI?
Sorry if this is such a dumb question
Thanks in advance!
Chase allows you easily transfer credit limits from other Chase cards to different Chase products. In this case from Freedom to Slate. They were able to give OP enough credit line to balance transfer the total balances from Cap1 and Orchard cards.
bradmaster wrote:Hi daveg38,
Congratulations! So, just to clarify, Chase allows you to transfer your credit history from your previous CCs? Or the secured balances from Cap 1, Orchard to increase your CLI?
Sorry if this is such a dumb question
Thanks in advance!
They HP Transunion, which was ok by me. Barclay's trolls Transunion yet since Ring is new and semi 'elite' right now, they're not whacking accounts. The Apple they can either consolidate onto Ring, shove into their kiesters or I'll sock drawer. It served it's purpose when I got my iPod...
Starting Score: EQ 717 EX 724 TU 736
daveg38 wrote:Closing Orchard when transfer posts (hopefully before 29th when they take AF), SD my Capital One and conglomerate CL's from Barclay Apple/Ring. Should report nicely.
Before you close the OB -
I'm guessing, like me, you opened it when your credit picture wasn't as pretty, and it's one of your oldest cards. It might be worth hanging on to for a bit. Last year I called and got them to waive the annual fee for me. This year, the OB executive office removed the annual fee for life. I also got Capital One to PC my platinum rebuilder into a Green cash with a much better limit.
The execs tell me that by spring I will be able to request a PC on my Orchard card. That means that what started out as a 300 dollar subprime 79 dollar annual fee card has a good chance of becoming a 10k plus world mastercard. I get a little bit of joy out of that idea, along with the thought of being able to keep my oldest revolver open for free.
You ought to at least see if you can get the fee waived and see what happens with this card in the next 12 months or so.
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