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My gf has a Slate and a Freedom chase card.
Since she is looking for a zero fee balance transfer offer, I was wondering if Chase would approve a 2nd Slate card and honor their zero fee intro offer on that card.
She already used the existing Slate card a few years ago for a balance transfer offer back then and paid it off at the end of the promo.
The available credit lines on both cards is very small at 7k combined (have not done CLI requests on these 2 cards since they are hard pulls?) and she has not used them at all for purchases.
Any insight on this is appreciated thanks
Thanks FinStar!
If my luck with Amex continues and I get her a new Everyday Card, I will not be needing to get anywhere near Chase, but I need to understand this strategy you are suggesting as a backup plan. I had no clue you could do any of this with Chase, if you don't mind and excuse my fried brain thanks to Amex....
If I understood you correctly, she could call and ask to get her Slate card converted to any other card, to then apply for the Slate and if approved then she can request to get her other 2 existing cards merged into the new slate, resulting in 1 new slate card with a combined credit limit? This has to be done over the phone right?
That would work great as she does not need several cards, just one with a good bal tr offer and zero fee, but a higher credit limit.
Thanks for the strategy!
ha! There's always more ....and.... I hit a snag with Amex for her.
She was getting the dreaded pop up so I tried the referral link strategy that worked for me to get rid of it, but didn't work for her.
I tried my own referral link with her and then her own referral link and the pop up showed up the same.
So whatever conclusion I got from my own experience is out the window, too bad I can't update that thread as it was immediately locked when I posted success and it would have been useful for people to know this is a hit or miss kind of thing.
So back to a finding a backup plan for the back up plan as we are just 3 weeks away from the deadline for her. I hear that bank of america has a zero fee bal transfer card?
It might still be a good idea to call in today to get her slate converted to something else and get that going anyways.
How do you know when is the right time to apply after you have PC ? Do you have to call their credit department or someone in particular to know when it has cycled out of the Slate and it's safe to apply?
thanks again Fin
@Superduper2014 wrote:ha! There's always more ....and.... I hit a snag with Amex for her.
She was getting the dreaded pop up so I tried the referral link strategy that worked for me to get rid of it, but didn't work for her.
I tried my own referral link with her and then her own referral link and the pop up showed up the same.
So whatever conclusion I got from my own experience is out the window, too bad I can't update that thread as it was immediately locked when I posted success and it would have been useful for people to know this is a hit or miss kind of thing.
So back to a finding a backup plan for the back up plan as we are just 3 weeks away from the deadline for her. I hear that bank of america has a zero fee bal transfer card?
It might still be a good idea to call in today to get her slate converted to something else and get that going anyways.
How do you know when is the right time to apply after you have PC ? Do you have to call their credit department or someone in particular to know when it has cycled out of the Slate and it's safe to apply?
thanks again Fin
Bummer, sorry to hear about the AmEx "pop up"/referral anomalies. That's why it's always good to have a 'plan B' just in case. And, yes the BoA BankAmericard CC displays the following offer:
As far as Chase, there really isn't an exact timeframe for the system cycle. Unfortunatley, CSR's may not know that level of detail as they can only confirm the card is either closed or PC'd, but they can't see what the backend system does. Most DPs usually suggest waiting 30 days to avoid the application being declined (i.e. existing product) or not being eligible for a SUB or offer where applicable.