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Chase Slate Approval. Shocked

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Established Contributor

Chase Slate Approval. Shocked

So I have worked very hard to make up for my stupid lazy mistakes as a youngster. I've spent the last two years getting to a reasonable, but not great, point (640's Credit Karma, I know that score holds limited relevance) but I've had a very interesting week!

Going into this little spree, all I had was a Capital One (3k, 4% due to SCRA) and Kay Jewelers (4k, high interest but what I bought had 0% promo). My Credit Karma score had been in the high 500's for the last year that I have been looking at it. Last week I logged on and my score on CK jumped 50 points into the 640's so I decided to apply for the Chase Freedom and got instant approved for 2k. I also applied for the Slate the next day and got the "check the mail for our decision" response. Today I applied for the Discover It and got countered for a lower promo rate and only 1.9k limit.

Fortunately, by reading this forum for the last few days I learned some things and ended up calling the backdoor number for Chase listed in the backdoor thread. After speaking with an analyst, I was shocked to not only get approved....but get approved for.........

$20,000!!!!

At first, I thought he mispoke, so I had him repeat it, still 20k! I still was skeptical so I ended up calling the other backdoor number listed and got the automated confirmation for 20k!

 

I am so excited right now. Even though I don't need to use the credit, this will help me build my score and once my military service is over in about 3 years I will be in a better position for a mortgage! 

Thank you to all of you for sharing your experiences on this site, without it I would have made so many mistakes!

NFCU-Capital One-Chase-Discover-AMEX-Costco-Store cards
Total CL: 150k+
Message 1 of 41
40 REPLIES 40
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Epic Contributor

Re: Chase Slate Approval. Shocked

WOW, that is fantastic.

 

I would actually probably call (regular customer service can do it) and move $10k over to the freedom as the slate has zero value if you are not going to bt but since they approved at such a great limit and you want to build history and show higher limits for future cards I wouldn't close it completely but having 2 cards around $10k would be better than 1 higher!

plus than as you use the chase your util will still stay low!

Message 2 of 41
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Senior Contributor

Re: Chase Slate Approval. Shocked

Awesome CL!

Congrats!

Message 3 of 41
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Established Contributor

Re: Chase Slate Approval. Shocked

 

@Creditaddict wrote:

WOW, that is fantastic.

 

I would actually probably call (regular customer service can do it) and move $10k over to the freedom as the slate has zero value if you are not going to bt but since they approved at such a great limit and you want to build history and show higher limits for future cards I wouldn't close it completely but having 2 cards around $10k would be better than 1 higher!

plus than as you use the chase your util will still stay low!


I was thinking about doing that since the rewards on the Freedom are so great and like you said, the only value Slate has is the BT deal. Would my report look better with a 20k and a few lower ones, or with two cards in the 10-12k range? I'm probably going into the garden for a little while, but I just got my membership with NFCU and was thinking I may take a shot with them as well.

NFCU-Capital One-Chase-Discover-AMEX-Costco-Store cards
Total CL: 150k+
Message 4 of 41
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Super Contributor

Re: Chase Slate Approval. Shocked

Wow! Great starting limit there. Chase really likes you. Smiley Happy

 

Congrats.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 5 of 41
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Mega Contributor

Re: Chase Slate Approval. Shocked

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 41
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Senior Contributor

Re: Chase Slate Approval. Shocked

Wow, that's amazing limit, congrats

Message 7 of 41
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Valued Contributor

Re: Chase Slate Approval. Shocked

CK 640?

$20K CL from Chase??

 

odd but I'm excited for you,

763 INQs: 12773 INQs: 6763 INQs: 8UTIL: 2%AAoA: 3yr 6mosTotal Credit Line: $851,250
Message 8 of 41
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Valued Contributor

Re: Chase Slate Approval. Shocked


@YupYup413 wrote:

So I have worked very hard to make up for my stupid lazy mistakes as a youngster. I've spent the last two years getting to a reasonable, but not great, point (640's Credit Karma, I know that score holds limited relevance) but I've had a very interesting week!

Going into this little spree, all I had was a Capital One (3k, 4% due to SCRA) and Kay Jewelers (4k, high interest but what I bought had 0% promo). My Credit Karma score had been in the high 500's for the last year that I have been looking at it. Last week I logged on and my score on CK jumped 50 points into the 640's so I decided to apply for the Chase Freedom and got instant approved for 2k. I also applied for the Slate the next day and got the "check the mail for our decision" response. Today I applied for the Discover It and got countered for a lower promo rate and only 1.9k limit.

Fortunately, by reading this forum for the last few days I learned some things and ended up calling the backdoor number listed in the backdoor thread. After speaking with an analyst, I was shocked to not only get approved....but get approved for.........

$20,000!!!!

At first, I thought he mispoke, so I had him repeat it, still 20k! I still was skeptical so I ended up calling the other backdoor number listed and got the automated confirmation for 20k!

 

I am so excited right now. Even though I don't need to use the credit, this will help me build my score and once my military service is over in about 3 years I will be in a better position for a mortgage! 

Thank you to all of you for sharing your experiences on this site, without it I would have made so many mistakes!


What can I say, that is WONDERFUL news!


"The achievement of one goal should be the starting point of another."~Alexander Graham Bell

Fico 08 Scores: EQ: 673 TU: 717 EX: 671
Recovering my scores from March/April app spree!
Gardening again since July 2015 until December 2015.
Message 9 of 41
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Valued Contributor

Re: Chase Slate Approval. Shocked

Thats so awesome!!

 

| TU 720
| NFCU Auto Loan | LendingPoint Loan |
| NFCU Go Rewards VS | Nordstrom Visa | SavorOne MC | Macy*s | JC Penney | Ultamate | CareCredit |
Message 10 of 41
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