Credit Cards

[Cageym]

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.

[laboi_22]

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.

[LS2982]

I agree with going for the freedom over the slate. That card allow has a intro 0% APR for 15 months offer currently and $100 CB after your 1st $500 in purchases I believe within the 1st 3 months.

[Cageym]

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.

[Razeus]

Slate is a waste of time.

Freedom and/or Sapphire.

[youngandcreditwrthy]

Freedom is best... I like the 0% and CB... 

[Koop10010]

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.

[Cageym]

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.