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I've had the card for about 13 months. I requested an increase about a week ago and got denied. I always carried a low limit and paid on time. My limit is only $300 on it so its pretty useless to me. Should i just go ahead and cancel it? My oldest credit card is coming up on 3yrs. Im wondering it if will hurt my score though. Any suggestions?
See if you can PC it.
Sorry im very green on the terms here. Just joined. What does PC mean?
product change
How does that work?
you ask if you can switch to another card and have your same history follow over. this means your not starting a new account
For example if i applied for the Chase Freedom and got approved they could transfer over the info and credit from the Slate?
no that would be opening a new account. you have to call customer service and ask them to do it. it might not be possible though im not sure
I agree... PC if you can.
What other cards/limits do you have? Does a Freedom interest you?
Had experience with a PC this past week: http://ficoforums.myfico.com/t5/Credit-Cards/Successful-Chase-Slate-to-Freedom-PC/td-p/3035080
However, if your main issue is the limit then that needs to be addressed. What were the reasons given for the denial? If you PC, those reasons will remain the same and you won't get a CLI on the new card until you work on what's holding you back with Chase.
*edited for clarity
I see. Thats the only card i have with Chase. Ive got a best buy and care credit with limits of 3k each. Wells fargo with 1.7k. discover it 1.7k. target with 300, and a ge capt with 1.5k. The freedom card does seem to be a good card.