topic Chase Slate - So mad at myself!!! in Credit Cards

Chase Slate - So mad at myself!!!

CreditInspired — Sun, 16 Apr 2017 15:04:23 GMT

It's been 17 days and I still want to slap myself silly. Impulsiveness is not good. Just because I got 3 green checkmarks for Chase "pre-selected offers," I took the plunge and hit submit for the Slate -- instantly approved for $2K. Was annoyed so called for a higher limit. Yep, CSR informed me another HP would occur. I said ok and only got a $500 bump. Waaaaaaaaaa. If I had taken a few minutes and done diligent research, I would have applied for the Freedom to get the $150 bonus for $500 spend. I have nothing to BT, so the Slate is really useless to me, except for padding. I can't even PC it for 1 year.

So this impulsive applying for a card I really don't want cost me 3 HPs and a 10-point score drop!!! I definite will stay in the garden this time and only do SP CLIs.

But, it was a lesson-learned. DON'T APPLY FOR CARDS JUST TO BE APPLYING!!! So yeah, even after ranting here, I still want to slap myself. Hard! Just SMH in disbelief.

Re: Chase Slate - So mad at myself!!!

Anonymous — Sun, 16 Apr 2017 15:12:14 GMT

@CreditInspired wrote:
It's been 17 days and I still want to slap myself silly. Impulsiveness is not good. Just because I got 3 green checkmarks for Chase "pre-selected offers," I took the plunge and hit submit for the Slate -- instantly approved for $2K. Was annoyed so called for a higher limit. Yep, CSR informed me another HP would occur. I said ok and only got a $500 bump. Waaaaaaaaaa. If I had taken a few minutes and done diligent research, I would have applied for the Freedom to get the $150 bonus for $500 spend. I have nothing to BT, so the Slate is really useless to me, except for padding. I can't even PC it for 1 year.

So this impulsive applying for a card I really don't want cost me 3 HPs and a 10-point score drop!!! I definite will stay in the garden this time and only do SP CLIs.

But, it was a lesson-learned. DON'T APPLY FOR CARDS JUST TO BE APPLYING!!! So yeah, even after ranting here, I still want to slap myself. Hard! Just SMH in disbelief.

Not syaing that you do this, but I have learned to put my computer away after a couple of cocktails....I in the past have made some really impulsive decisions too...

Re: Chase Slate - So mad at myself!!!

elim — Sun, 16 Apr 2017 15:29:48 GMT

@Anonymous wrote:
@CreditInspired wrote:
It's been 17 days and I still want to slap myself silly. Impulsiveness is not good. Just because I got 3 green checkmarks for Chase "pre-selected offers," I took the plunge and hit submit for the Slate -- instantly approved for $2K. Was annoyed so called for a higher limit. Yep, CSR informed me another HP would occur. I said ok and only got a $500 bump. Waaaaaaaaaa. If I had taken a few minutes and done diligent research, I would have applied for the Freedom to get the $150 bonus for $500 spend. I have nothing to BT, so the Slate is really useless to me, except for padding. I can't even PC it for 1 year.

So this impulsive applying for a card I really don't want cost me 3 HPs and a 10-point score drop!!! I definite will stay in the garden this time and only do SP CLIs.

But, it was a lesson-learned. DON'T APPLY FOR CARDS JUST TO BE APPLYING!!! So yeah, even after ranting here, I still want to slap myself. Hard! Just SMH in disbelief.
Not syaing that you do this, but I have learned to put my computer away after a couple of cocktails....I in the past have made some really impulsive decisions too...

+1 I come home pretty sore and beat up every day. I mix up something nice and have 1. When I have 2, I remind myself not to use the keyboard, lol. browse only.

Yes OP... You bit the bait, but it is $2500 of limit that can be combined with your other Chase card at a later date (can't cry over spilled milk). Many would have loved a nice CSR with that pull... min 10k limit, 50,000 UR's at a 1.5 multiplier, 2ea $300 credit's or GC's, at a measly $450 before PC to CSP next year.

Garden Time! :] Congrats on the card though.

Re: Chase Slate - So mad at myself!!!

Anonymous — Sun, 16 Apr 2017 15:53:31 GMT

I don't really understand at all why anyone would apply for a Slate without anything to BT....

Re: Chase Slate - So mad at myself!!!

CreditInspired — Sun, 16 Apr 2017 16:36:58 GMT

@Anonymous wrote:
@CreditInspired wrote:
It's been 17 days and I still want to slap myself silly. Impulsiveness is not good. Just because I got 3 green checkmarks for Chase "pre-selected offers," I took the plunge and hit submit for the Slate -- instantly approved for $2K. Was annoyed so called for a higher limit. Yep, CSR informed me another HP would occur. I said ok and only got a $500 bump. Waaaaaaaaaa. If I had taken a few minutes and done diligent research, I would have applied for the Freedom to get the $150 bonus for $500 spend. I have nothing to BT, so the Slate is really useless to me, except for padding. I can't even PC it for 1 year.

So this impulsive applying for a card I really don't want cost me 3 HPs and a 10-point score drop!!! I definite will stay in the garden this time and only do SP CLIs.

But, it was a lesson-learned. DON'T APPLY FOR CARDS JUST TO BE APPLYING!!! So yeah, even after ranting here, I still want to slap myself. Hard! Just SMH in disbelief.
Not syaing that you do this, but I have learned to put my computer away after a couple of cocktails....I in the past have made some really impulsive decisions too...

Okay, this made me laugh out loud. I wish I had been drinking. At least, I would have something to blame it on LOL.

Re: Chase Slate - So mad at myself!!!

CreditInspired — Sun, 16 Apr 2017 16:39:57 GMT

@Anonymous wrote:
I don't really understand at all why anyone would apply for a Slate without anything to BT....

Of course after I applied for this card, I saw a post of your's about the worthlessness of Slate. Okay, worthlessness is my word, not your's.

Like I said, just shaking my head in disbelief.,

Re: Chase Slate - So mad at myself!!!

Anonymous — Sun, 16 Apr 2017 17:04:42 GMT

@Anonymous wrote:

Not syaing that you do this, but I have learned to put my computer away after a couple of cocktails...

Probably the most solid advice I have heard on these boards. Maybe OP was using a desktop so it wasn't that easy.

Re: Chase Slate - So mad at myself!!!

wasCB14 — Sun, 16 Apr 2017 17:15:39 GMT

@Anonymous wrote:
@Anonymous wrote:
Not syaing that you do this, but I have learned to put my computer away after a couple of cocktails...

Probably the most solid advice I have heard on these boards. Maybe OP was using a desktop so it wasn't that easy.

Or...probably better advice...

Once your credit is halfway decent, first decide what you want, and only then consider what any relevant prequal site says.

Re: Chase Slate - So mad at myself!!!

CreditInspired — Sun, 16 Apr 2017 19:46:08 GMT

Thanks elim. And believe it or not, I was at work when I applied. That's what I get for surfing the web and looking at my accounts instead of doing what I get paid to do.

Re: Chase Slate - So mad at myself!!!

AverageJoesCredit — Sun, 16 Apr 2017 20:18:00 GMT

Happens to the best of us, apping for something we really didnt need and using up hp we could have used elsewhere. We live we learn, you Chase ?

Re: Chase Slate - So mad at myself!!!

Anonymous — Sun, 16 Apr 2017 20:18:05 GMT

fyi - i had applied for a balance transfer and was able to pay it off within a month. I called, and they let me produt change to freedom unlimited without issue. I wouldn't get the sign on bonus, of course, but at least the card would be useful. You may not have to wait a year.

Re: Chase Slate - So mad at myself!!!

CreditInspired — Sun, 16 Apr 2017 22:24:49 GMT

@Anonymous wrote:
fyi - i had applied for a balance transfer and was able to pay it off within a month. I called, and they let me produt change to freedom unlimited without issue. I wouldn't get the sign on bonus, of course, but at least the card would be useful. You may not have to wait a year.

Thanks myb for this great idea.

Re: Chase Slate - So mad at myself!!!

Anonymous — Mon, 17 Apr 2017 00:22:48 GMT

@Anonymous wrote:
fyi - i had applied for a balance transfer and was able to pay it off within a month. I called, and they let me produt change to freedom unlimited without issue. I wouldn't get the sign on bonus, of course, but at least the card would be useful. You may not have to wait a year.

Same here. I was able to PC,my Slate to the Freedom Unlimited within 60 days of being approved for the card.

Re: Chase Slate - So mad at myself!!!

Cashbackjunky — Mon, 17 Apr 2017 02:46:47 GMT

I'm sorry to hear about your impromptu credit app, but hey, it could have been worse! At least you got approved and a CLI (small CLI is better than no CLI) - is my optimism showing?! Lol

Like the others have said though, you don't have to wait a whole year to PC to a "useful" card. I thought that you had to also because I read that somewhere. I got my slate in June and paid off my BT in October... I was so pissed I was going to have to wait another 8 months to PC it to a useful card.

I got impatient in January, so I thought I'd just call them and give it a try. I recently got a Cap1 QS, so I didn't want the Chase FU (already get 1.5% back), so I asked to PC to the Chase Freedom to get the 5% rotating category. To my surprise, she let me PC, but for some reason you can't PC from a Slate to a Freedom, so I had to PC to the Freedom unlimited, then PC that to the Freedom.

Whatever you decide to do, good luck to you and congrats on the approval!
Cheers!

Re: Chase Slate - So mad at myself!!!

grillandwinemaster — Mon, 17 Apr 2017 08:51:15 GMT

@Anonymous wrote:
I don't really understand at all why anyone would apply for a Slate without anything to BT....

It's called "drunk apping!"

Re: Chase Slate - So mad at myself!!!

CreditInspired — Tue, 18 Apr 2017 21:39:58 GMT

Thanks cashbackjunky for the detailed response of options I have. Truly appreciate it.

Re: Chase Slate - So mad at myself!!!

Anonymous — Tue, 18 Apr 2017 22:11:54 GMT

I have product changed twice since getting my slate nearly a year ago. First to freedom unlimited and then to the freedom.

Re: Chase Slate - So mad at myself!!!

bourgogne — Tue, 18 Apr 2017 23:55:16 GMT

@Anonymous wrote:
@CreditInspired wrote:
It's been 17 days and I still want to slap myself silly. Impulsiveness is not good. Just because I got 3 green checkmarks for Chase "pre-selected offers," I took the plunge and hit submit for the Slate -- instantly approved for $2K. Was annoyed so called for a higher limit. Yep, CSR informed me another HP would occur. I said ok and only got a $500 bump. Waaaaaaaaaa. If I had taken a few minutes and done diligent research, I would have applied for the Freedom to get the $150 bonus for $500 spend. I have nothing to BT, so the Slate is really useless to me, except for padding. I can't even PC it for 1 year.

So this impulsive applying for a card I really don't want cost me 3 HPs and a 10-point score drop!!! I definite will stay in the garden this time and only do SP CLIs.

But, it was a lesson-learned. DON'T APPLY FOR CARDS JUST TO BE APPLYING!!! So yeah, even after ranting here, I still want to slap myself. Hard! Just SMH in disbelief.
Not syaing that you do this, but I have learned to put my computer away after a couple of cocktails....I in the past have made some really impulsive decisions too...

Not looking to start trouble here but I think it depends on what sort of drinks we are talking about. Speaking from vast experience here I can safely say I have had some of my best credit related work while drinking. I think either bourbon or casamigos tequila – yeah, the one george clooney co-owes make stellar choices to app or cli with. whisky cola, know better as jack & coke can also not be overlooked…I did a $63K penfed 0 down loan for an M2 with a j&c by my side, not sure I could have done the deal without it. Wine wise I am thinking traditional rioja, nothing fruit forward. For denials I would go big or go home, barolo or burgundy from the beaune area. For recons I would do either margs or something fresh from the loire area. As a general food to pair with I highly recommend http://www.boursin.com/en_us/Products/Boursin-R-Cheese/Garlic-Fine-Herbs with whatever cracker works for you – trust me, once you get started on this stuff it’s all over. Cheers!

Re: Chase Slate - So mad at myself!!!

K-in-Boston — Wed, 19 Apr 2017 00:17:40 GMT

You guys crack me up. PC the Slate to a Freedom for sure. I just neutered my Freedom and CSP a bit to give me room on my Slate for a BT ($3500 was a much lower SL than I had hoped for, but they did just give me a $12k CSP a few months ago). +1 on drunk apping, but boy did I get some of my best CLIs that way with the liquid courage! In 12 months I'm moving that $9700 (well $9200 I guess) over to CSP and closing the Slate.

Re: Chase Slate - So mad at myself!!!

joltdude — Wed, 19 Apr 2017 00:33:39 GMT

think you might have to PC to a FU and then that card to an Freedom if you want one.. thought I saw it somewhere.... but cant remember it for the life of me. For some silly reason they dont like going from Slate to Freedom...

Drapping has its pros and cons...

-J