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Chase Slate - Rejected

Regular Contributor

Chase Slate - Rejected

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

Even I asked for them to reconsider Smiley Indifferent

They told me that they want to see more credit history.. Smiley Sad 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?

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)
Message 1 of 16
15 REPLIES
New Contributor

Re: Chase Slate - Rejected

pretty sure when they say they want to see history, it means 6-1yr acc.

 

the discover it account looks more bad than good in their books (new acc)

 

why do you want slate anyways? its a balance transfer card with reward whatsoever... and from the limits you have, you won't have much balance to transfer anyways...

 

if it's a build relationship with chase thing... they never give anyone credit with shorter than 6-1yr history.. i had my boa 123 card for 8mos and applied for freedom a while back and it was a fat denial for same reason.

 

CSP 10k 0 Discover It 7.8k AmazonVisa 3k Freedom 1500 US Bank Cash Rewards 1500 BofA123 3300 SallieMae 3800
Message 2 of 16
Super Contributor

Re: Chase Slate - Rejected

I would definitely wait till you have 6 months or more of history. I wanted to do a bt and they only gave me a $500 limit, which is basically useless.

Like the previous poster said, no real benefit to the slate other than the no bt fee. I think the freedom either has an identical or comparable intro apr offer.
Message 3 of 16
Regular Contributor

Re: Chase Slate - Rejected

Card looks cool and I just wanted to build up some credit with chaseSmiley LOL

and wanted to get more card before I go out of country for 90 days..

 

Now... Well ... till December I will just cake care of my 3 cards and maybe apply for Chase sapphire or something... hopefully.. Smiley Frustrated

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)
Message 4 of 16
Valued Member

Re: Chase Slate - Rejected


JasonKR wrote:

Card looks cool and I just wanted to build up some credit with chaseSmiley LOL

and wanted to get more card before I go out of country for 90 days..

 

Now... Well ... till December I will just cake care of my 3 cards and maybe apply for Chase sapphire or something... hopefully.. Smiley Frustrated


Like others said, give it time, and see what you want out of a card. But, if at all, shoot for the Freedom (after developing history) as that's considered an "in" with Chase. 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Message 5 of 16
Valued Member

Re: Chase Slate - Rejected

ALSO: There are other pretty cards that are able to do more for you Smiley Happy 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Message 6 of 16
Super Contributor

Re: Chase Slate - Rejected

My slate already has a gnarly warp in it, bending inwards. Lol. Gonna have to get a replacement.
Message 7 of 16
Super Contributor

Re: Chase Slate - Rejected

Chase usually wants 1 year credit history for most cases.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 8 of 16
Regular Contributor

Re: Chase Slate - Rejected

Just out of curiosity, do you guys recommend applying BOA Travel Rewards for Student card while using BOA Secured 1-2-3 Reward card?

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)
Message 9 of 16
Super Contributor

Re: Chase Slate - Rejected

I like my travel rewards card. Only got a 700 limit though
Dont remember who they pulled but at the time my walmart tu (08) was 693.
Message 10 of 16