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Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
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Re: Chase Slate - Rejected

In all truth its time to stop applying and garden for 6 -12 months 

See what your needs are at that point and go from there

IMHO your reaching for cards higher than your credit file can support with a thin file 

Go slow and build credit over the course of a year not 3-4 months it just doesn't work that way.

I mean no harm just thought you should hear it so you don't waste any more HP's that you have to live with for 2 years :smileyembarrassed:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Chase Slate - Rejected


JasonKR wrote:

Because of lack of history on my credit report (got BOA on 2013 Jan), I got rejected

Even I asked for them to reconsider :smileyindifferent:

They told me that they want to see more credit history.. :smileysad: They were only be able to see BOA secured card even though I've been using Discover it for around 2 month

 

Now.. Option would be

1) Call them again and ask for them to recon

2) wait tlil December to build up some credit history

3) maybe apply for another credit card?

 

Any opinion?


Garden! :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
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Regular Contributor
Posts: 177
Registered: ‎01-16-2013
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Re: Chase Slate - Rejected

:smileylol: Yeahhh I will build some credit up till then and I will let you guys know if I get pre-approved offer or any questions.. :smileyvery-happy:

gotta take these babies for sho lol

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Moderator
Posts: 27,205
Registered: ‎09-13-2012
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Re: Chase Slate - Rejected

[ Edited ]
Keep in mind pre-approvals are NOT guaranteed approvals. Ultimately it's up to you but garden those new cards until Dec/Jan for the best results.
Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011
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Re: Chase Slate - Rejected

Definitely hit the garden like journey said.

I was only in for 8 months and got 5 approvals on my spree. Def gonna head in for a year (at least) now.
;
Regular Contributor
Posts: 177
Registered: ‎01-16-2013
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Re: Chase Slate - Rejected

Right, I was aware of it and I received pre-approved offer from Discover only like 2~3 month after getting BOA secured card.

 

I will keep that in mind and just limit cards till then, thanks for the remind!

BoA Better Balance Reward - $1.5k (01/13) | Discover It for Student - $1.7k (04/13) | Capital One QuickSilver - $2k (05/13) | Amazon Rewards Visa Card - $700 (10/13) | Citi Forward for Student - $2.4k (10/13) | Amex BCE - $6k (10/13) | Chase Freedom - $1.5k (11/13) | Chase Sapphire Preferred - $6.5k (12/13) | Amex Delta Gold - $8.7k(12/13) | Chase IHG - $4k (2/14) | Chase Hyatt - $5k (2/14) | Amex Platinum (2/14) | Citi ThankYou Preferred - $3.5k (4/14) | Chase United Explorer - $5k (9/14) | Amex Delta Gold business - $3k (9/14) | I ALWAYS pay in full
(Future card: Barclaycard Arrival+, Amex SPG+Everyday, Chase Ink+Marriott, Citi Hilton Reserve+HHonors)
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