Decreased my Utilization from 80% to 60% - Should I wait to Apply for Chase Slate, or Apply Now?

[Anonymous]

You may also want to see if you prequalify for any Citi cards. They have three cards with 0% for 18 months

https://www.citi.com/credit-cards/compare-credit-cards/citi.action?ID=low-interest-credit-card

[HeavenOhio]

I don't see Citi reacting very well to the OP's current balances.

The best time to apply is when both aggregate and individual card utilization are at 28.9% or below. Some people get useful approvals when those numbers are at 48.9% or lower.

@leo222, if you could list your cards, their limits, and their balances, we could compute your utilization for you.