02-04-2013 04:53 PM
I have a freedom $1500 CL and a Slate $1000 -- I got the slate in November due to the 15 months 0% Balance transfer and purchases.
I called Chase today and spoke to a CSR who said i can move my slate over into my Freedom seeing i have 0 Balance on both. I asked if that would take my CL on my freedom to $2500 and he said thats correct.. should i move my slate to my freedom?or the other way round? It feels like Freedom is the better card?
The reason is I feel like i have too many CC , i have a total of 10 right now. want to bring the amount down and have higer limits. I also asked about a CLI in March when my 1 year hits he said i can do that and it would be a soft pull? Is this right because everything i hear about Chase its always a HP? should i wait till March , call the backdoor and ask for a PC and a CLI?
02-04-2013 09:02 PM
I think you should move your Slate CL to your Freedom because of the rewards associated with this card if you are done with the Slate's BT offer because this card is geared towards BT's and the introductory 0% interest rate.
Usually a lot of members state Chase says you must leave at least $500 on one card, but if they offer to transfer all I would take it and run!
02-04-2013 09:14 PM
02-04-2013 09:15 PM
I still have about 10 months left of the 0% on the slate.
I heard that u needed to leave 500 on a card. The rep said nothing about that. But he also did say a possible CLI would be a soft pull which I hear its always a HP. So I'm wondering about it all. Maybe I will call up another time & ask the same question.
Yes you should call them because speculation will not let you sleep!
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.