08-29-2012 12:23 PM
I was on Chase and the Slate card is in my mailing offers. Is this another starter type card? I'm still trying to break that toy limit, I think it's do to history, no baddies. And still waiting for my toy limit (1.5k) NFCU card to report.
08-29-2012 12:29 PM
This is not a starter card. This is a prime card from Chase. I would skip the slate though because if you can get approved for slate, you can just as easily get approved for the freedom. The freedom is considered one of the top cash back credit cards. The Slate has no rewards. People only get this card because of the intro 0% interest offer and low APR yearly. Chase is hard to get approved and is conservative when it comes to credit limits.
08-29-2012 12:37 PM
08-29-2012 12:38 PM
Thanks, I'm going to wait until myNFCU starts reporting anyway and it's a rewards card so a low APR and 0% interest isn't going to bother me. I have thought about the Freedom recently as well. My account with Chase goes back to when they bought WAMU so I have a little history with them.
08-29-2012 12:45 PM
Slate is a waste of time.
Freedom and/or Sapphire.
08-29-2012 02:07 PM
Freedom is best... I like the 0% and CB...
08-29-2012 02:14 PM
The Freedom is a better card, you should probably consider that instead. Be warned though, that Chase sometimes issues these cards with toy limits, like $500. You may want to wait for some accounts and inquiries to age to increase your chances of a higher initial limit. Most CLI requests with Chase are hard pulls.
08-29-2012 02:17 PM
I have 4 HP's right now and 3 of them are from NFCU from opening the account and getting a card. I can deal with one more. But like I said I'm going to wait a few months on my NFCU and try for a CLI. But once it reports I'll see what it does to myscore. I can call and recon with Chase if need be.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.