topic Re: Chase Slate Edge and US Bank Visa platinum approvals in Credit Card Approvals

Chase Slate Edge and US Bank Visa platinum approvals

maxchurn — Sun, 24 Sep 2023 22:58:42 GMT

1/5, FICO8's between 770-794, 200K+ income, no baddies. I've been mainly churning Inks the past year because of the lucrative SUBs. Did some research on some of the best zero APR offers to transfer a balance from Discover on a previous promo that's ending next month. Ended up narrowing it down to:

WF Reflect at 21 months (5% BT fee)
Citi Simplicity and Diamond Preferred (3% and 5% BT fee respectively)
US Bank Visa Platinum (3% BT fee)
NFCU Platinum (0% BT fee, .99% APR for 12 months)
Chase Slate Edge (0% BT fee for the first 60 days, 18 months at 0%).

I wanted to give WF, Citi or USB some business since i've been all Chase the last couple of years. PenFed send me a mailer on their Gold card, but the preapproval page said I'd only get $7,500. My SO had a Reflect and I wasn't too impressed with her SL ($10K) on a good income or the 5% fee. Citi isn't particularly known for providing good service and is sensitive to inquiries/accounts and I didn't want to deal with any hiccups on the transfer so I passed on them. I have a a NFCU flagship already so it really boiled down to the Slate Edge or the USB Visa Platinum. Decided a 5/24 slot was worth a shot with US Bank and worst case scenario i'd product change. Submitted an app using their targeted mailer and they only gave me $2,600. Called recon, was told I had to wait until Monday for underwriting but that it'd require another hard pull which i'm familiar with but they won't be getting.

I have plenty of available credit with Chase on both the personal and "business" side. Read the DoC article about an in branch promo and went in. A banker helped me apply, was approved for $6K and she even handled the balance transfer with Discover for me right there. I had to verbally give the okay to a rep on the phone to move $10K worth of credit from my AMZ Prime card over, but it was such a smooth and efficient process that only took roughly twenty minutes from start to finish. Ended up with $16K available on the Slate Edge, leaving my Prime with a $12.5K limit.

Chase leads the industry for a reason, always love them even if they give absurd amounts of credit i'll never need or use.

Re: Chase Slate Edge and US Bank Visa platinum approvals

TyrannicalDuncery — Sun, 24 Sep 2023 23:44:49 GMT

Congrats! Thanks for walking us through your process.

Re: Chase Slate Edge and US Bank Visa platinum approvals

Jeffster1 — Mon, 25 Sep 2023 01:09:57 GMT

Congrats!

Re: Chase Slate Edge and US Bank Visa platinum approvals

Priory_Man — Mon, 25 Sep 2023 11:20:42 GMT

Congrats on your approvals

Re: Chase Slate Edge and US Bank Visa platinum approvals

cashorcharge — Mon, 25 Sep 2023 17:57:21 GMT

WooHoo!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: Chase Slate Edge and US Bank Visa platinum approvals

Blender — Mon, 25 Sep 2023 18:54:45 GMT

Congrats on your approval!

I have been considering the Slate Edge and WF reflect for a one time, large, upcoming purchase. My scores dont match yours so I doubt Im getting a 6k SL, and Ill need a little less than that.

Re: Chase Slate Edge and US Bank Visa platinum approvals

maxchurn — Mon, 25 Sep 2023 20:08:07 GMT

You might get more than me, I have around $50K across personal and business with Chase so i'm surprised they even gave me that.

If your sig is up to date, you can also move credit from your Freedom Flex over

Re: Chase Slate Edge and US Bank Visa platinum approvals

Blender — Mon, 25 Sep 2023 23:47:06 GMT

@maxchurn wrote:
You might get more than me, I have around $50K across personal and business with Chase so i'm surprised they even gave me that.

If your sig is up to date, you can also move credit from your Freedom Flex over

Carrying a large balance right now since im 0% til end of year, but that was a thought of mine.

Re: Chase Slate Edge and US Bank Visa platinum approvals

KingRue8500 — Tue, 26 Sep 2023 00:30:50 GMT

Congrats on your Chase Slate Edge & U.S. Bank Platinum approvals

Re: Chase Slate Edge and US Bank Visa platinum approvals

CardsRFunn — Tue, 26 Sep 2023 01:39:33 GMT

Congrats on the approvals! I haven't used USB since the early 2000s and apparently they've changed. I'm new here and learning.

Congrats again!

Re: Chase Slate Edge and US Bank Visa platinum approvals

maxchurn — Wed, 27 Sep 2023 15:43:00 GMT

Small update for those interested:

Called USB underwriting, they said a hard pull for a CLI would be needed because it's a separate "transaction" and that it was an automated approval and not a manual review. I asked about a PC, no offers were available after being transferred to card member services.

I petty closed my USB checking same day and expressed my thoughts to the banker. I'll keep churning their checking account promos for free money :babyinsanitywolf:. Platinum will likely be sock drawered, don't see a use for it now but will take the available credit.

Re: Chase Slate Edge and US Bank Visa platinum approvals

CreditAggie — Wed, 27 Sep 2023 21:57:02 GMT

Congratulations on your approvals!

Re: Chase Slate Edge and US Bank Visa platinum approvals

BuckyB — Thu, 23 Nov 2023 06:02:32 GMT

No big loss. Any time I actually try to use my US Bank checking account to move money it gets locked down for 48 hours.

Re: Chase Slate Edge and US Bank Visa platinum approvals

Anonymous — Sun, 26 Nov 2023 23:38:20 GMT

Congrats!

Re: Chase Slate Edge and US Bank Visa platinum approvals

maxchurn — Wed, 13 Dec 2023 18:09:35 GMT

Small update for anyone interested:

Bit the bullet with USB and decided to take another HP because I didn't want to use a x/5 slot. They gave me $20K.

Re: Chase Slate Edge and US Bank Visa platinum approvals

NoMoreDebt — Thu, 14 Dec 2023 00:53:23 GMT

Congrats on the approval