topic Chase Slate Edge vs Wells Fargo Reflect in Credit Cards

Chase Slate Edge vs Wells Fargo Reflect

Blender — Wed, 23 Aug 2023 16:42:09 GMT

Large upcoming purchase: engagement ring

21 months @ 0% would be a huge help alongside other recently made larger purchases.

Chase relationship

2+ years checking/ savings account (was my main, but have been SUB chasing elsewhere recently)

1 year CFF $3,000 SL (0% until January, 2200/3000)

4/24 (1/6)

Wells Fargo relationship

<30 days checking account ($325 SUB)

No CC ever

Side notes

Closing AMEX green by 9/23

Closed 5/3 bank checking yesterday

I suspect only my TU FICO8 score will increase in the next 2 weeks, and no other changes in scores for the remainder of the year

If I had the time to let the WF account age, I would. But she said "if you buy me a ring, I'll buy you a jet ski." So... you get it. WF checking will see a few thousand through it per month for mortgage and utilities. The jeweler I am shopping with uses the WF jewelry advantage program (12 months 0%) which is good, but 21 months is better. Figured I could try for the Reflect, but then saw the Edge is now 21 months as well. There just hasn't been many DPs about it here.

How likely is it that based off my relationship with Chase, that they would at least match the SL of my CFF? If they don't, would I be able to transfer some of my CFF limit to a card on 0% promo?

Would I be better off trying for the Reflect since my FICO9 is considerably higher?

Thanks for your replies

Re: Chase Slate Edge vs Wells Fargo Reflect

NoMoreE46 — Wed, 23 Aug 2023 17:42:02 GMT

@Blender wrote:
Large upcoming purchase: engagement ring
21 months @ 0% would be a huge help alongside other recently made larger purchases.

Chase relationship
2+ years checking/ savings account (was my main, but have been SUB chasing elsewhere recently)
1 year CFF $3,000 SL (0% until January, 2200/3000)
4/24 (1/6)

Wells Fargo relationship
<30 days checking account ($325 SUB)
No CC ever

Side notes
Closing AMEX green by 9/23
Closed 5/3 bank checking yesterday
I suspect only my TU FICO8 score will increase in the next 2 weeks, and no other changes in scores for the remainder of the year

If I had the time to let the WF account age, I would. But she said "if you buy me a ring, I'll buy you a jet ski." So... you get it. WF checking will see a few thousand through it per month for mortgage and utilities. The jeweler I am shopping with uses the WF jewelry advantage program (12 months 0%) which is good, but 21 months is better. Figured I could try for the Reflect, but then saw the Edge is now 21 months as well. There just hasn't been many DPs about it here.

How likely is it that based off my relationship with Chase, that they would at least match the SL of my CFF? If they don't, would I be able to transfer some of my CFF limit to a card on 0% promo?
OR
Would I be better off trying for the Reflect since my FICO9 is considerably higher?

Thanks for your replies

Yes, you can reallocate CL

from Chase.

What are your scores/ total utility?

Re: Chase Slate Edge vs Wells Fargo Reflect

Blender — Wed, 23 Aug 2023 18:27:47 GMT

@NoMoreE46 wrote:
@Blender wrote:
Large upcoming purchase: engagement ring
21 months @ 0% would be a huge help alongside other recently made larger purchases.

Chase relationship
2+ years checking/ savings account (was my main, but have been SUB chasing elsewhere recently)
1 year CFF $3,000 SL (0% until January, 2200/3000)
4/24 (1/6)

Wells Fargo relationship
<30 days checking account ($325 SUB)
No CC ever

Side notes
Closing AMEX green by 9/23
Closed 5/3 bank checking yesterday
I suspect only my TU FICO8 score will increase in the next 2 weeks, and no other changes in scores for the remainder of the year

If I had the time to let the WF account age, I would. But she said "if you buy me a ring, I'll buy you a jet ski." So... you get it. WF checking will see a few thousand through it per month for mortgage and utilities. The jeweler I am shopping with uses the WF jewelry advantage program (12 months 0%) which is good, but 21 months is better. Figured I could try for the Reflect, but then saw the Edge is now 21 months as well. There just hasn't been many DPs about it here.

How likely is it that based off my relationship with Chase, that they would at least match the SL of my CFF? If they don't, would I be able to transfer some of my CFF limit to a card on 0% promo?
OR
Would I be better off trying for the Reflect since my FICO9 is considerably higher?

Thanks for your replies

Yes, you can reallocate CL
from Chase.

What are your scores/ total utility?

Scores in sig.

Total Util 14% (largely due to AU card)

Re: Chase Slate Edge vs Wells Fargo Reflect

Brian_Earl_Spilner — Wed, 23 Aug 2023 19:33:02 GMT

Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?

Re: Chase Slate Edge vs Wells Fargo Reflect

NoMoreE46 — Wed, 23 Aug 2023 19:39:55 GMT

Sorry missed that sig.

Yeah, F9 is higher so it would make empirical sense

to go for the Reflect. In addition,

to the Citi mentioned, BofA has 18 months with the BankAmericard.

Re: Chase Slate Edge vs Wells Fargo Reflect

Blender — Wed, 23 Aug 2023 23:48:27 GMT

@Brian_Earl_Spilner wrote:
Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?

Well couldn't that be said about the reflect and simplicity, too? About them being worthless after the promo. I didn't want to app for any new cards being that I'm at 4/24 and had my eyes on the CSP, but I guess she's worth it lol

Re: Chase Slate Edge vs Wells Fargo Reflect

Blender — Wed, 23 Aug 2023 23:49:50 GMT

@NoMoreE46 wrote:
Sorry missed that sig.

Yeah, F9 is higher so it would make empirical sense
to go for the Reflect. In addition,
to the Citi mentioned, BofA has 18 months with the BankAmericard.

Everbody got their reason for staying away from a particular bank. Mines BOA. I've had accounts with them in the past and I'm just not interested in going back.

Re: Chase Slate Edge vs Wells Fargo Reflect

Tcal — Thu, 24 Aug 2023 12:55:54 GMT

@Brian_Earl_Spilner wrote:
Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?

They can always product change to the original Chase Freedom after the 0% period ends.

Re: Chase Slate Edge vs Wells Fargo Reflect

Blender — Thu, 24 Aug 2023 15:45:48 GMT

@Tcal wrote:
@Brian_Earl_Spilner wrote:
Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?

They can always product change to the original Chase Freedom after the 0% period ends.

Yeah, missed that thought. That'd be a pretty good route to take actually.

Re: Chase Slate Edge vs Wells Fargo Reflect

Brian_Earl_Spilner — Thu, 24 Aug 2023 23:51:59 GMT

@Blender wrote:
@Brian_Earl_Spilner wrote:
Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?
Well couldn't that be said about the reflect and simplicity, too? About them being worthless after the promo. I didn't want to app for any new cards being that I'm at 4/24 and had my eyes on the CSP, but I guess she's worth it lol

No, because unlike the slate, if you're looking for a consistent bt card, the other two will continue to have offers. The slate will not.

Re: Chase Slate Edge vs Wells Fargo Reflect

Brian_Earl_Spilner — Thu, 24 Aug 2023 23:54:02 GMT

@Tcal wrote:
@Brian_Earl_Spilner wrote:
Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?

They can always product change to the original Chase Freedom after the 0% period ends.

They could, but they don't have a bt card so might as well get one you can keep that will continue to offer new promos.

Re: Chase Slate Edge vs Wells Fargo Reflect

Blender — Fri, 25 Aug 2023 13:05:52 GMT

@Brian_Earl_Spilner wrote:
@Tcal wrote:
@Brian_Earl_Spilner wrote:
Chase is not a relationship bank. That being said, the slate will be basically worthless once the initial promo is over. Citi was offering 18 mos. Maybe try with them?

They can always product change to the original Chase Freedom after the 0% period ends.
They could, but they don't have a bt card so might as well get one you can keep that will continue to offer new promos.

Ah ok, thanks for the info