Applied for chase Slate

MyDataMyChoice · ‎04-01-2015

I know I know

Credit karma said to apply for chase slate
My exp at the time was 640

I call in to speak with someone and they said it hasn't been decisioned and not enough time has passed since the application (it's been a week)

Barclay Banana Republic Store Card - Reconsideration for $200

Amazon/Whole Foods Visa June 2024 $3500 - September 2024 Auto CLI SP CLI to 5K

November 2023 - Home Depot Credit Card SL $500 May 2024 HP CLI to $5,700

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

SDFCU Visa Signature $5000 CLI to 6500 - Auto CLI to 9500

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021 | HP CLI to $5,500

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

mossmanb5 · ‎04-01-2015

early congrats

72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729

inqs= eq 48 / ex 35 / tu 15

chalupaman · ‎04-01-2015

@JTC403 wrote:
I know I know

Credit karma said to apply for chase slate
My exp at the time was 640

I call in to speak with someone and they said it hasn't been decisioned and not enough time has passed since the application (it's been a week)

Never use Credit Karma to help you app for cards. I find Credit Pulls Database to be way more reliable.

I hope you get approved.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎04-01-2015

Call them to get a instant decision. Chase: 888-245-0625 (Credit Analyst - Recons)

Anomalous · ‎04-01-2015

Hope you get some good news soon!

Keep both your credit and your body in top shape!

Anonymous · ‎04-01-2015

Chase can be very finicky, Good Luck

uswala · ‎04-01-2015

Good luck!

tonyjones · ‎04-02-2015

@JTC403 wrote:
I know I know

Credit karma said to apply for chase slate
My exp at the time was 640

I call in to speak with someone and they said it hasn't been decisioned and not enough time has passed since the application (it's been a week)

Why are your scores so low with that many tradelines.......

Current Fico Scores: (November 2024)

SecretAzure · ‎04-02-2015

@tonyjones wrote:
@JTC403 wrote:
I know I know

Credit karma said to apply for chase slate
My exp at the time was 640

I call in to speak with someone and they said it hasn't been decisioned and not enough time has passed since the application (it's been a week)
Why are your scores so low with that many tradelines.......

Agreed. This is perplexing. What info might you have forgotten to tell us?

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MC

Must garden until 2/1/2022 to hit my goal AAOA.

Skye12329 · ‎04-02-2015

@SecretAzure wrote:
@tonyjones wrote:
@JTC403 wrote:
I know I know

Credit karma said to apply for chase slate
My exp at the time was 640

I call in to speak with someone and they said it hasn't been decisioned and not enough time has passed since the application (it's been a week)
Why are your scores so low with that many tradelines.......
Agreed. This is perplexing. What info might you have forgotten to tell us?

High Utilization possibly?

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)