Chase Advice

[adidas33999]

Hi All!  Looking for advice on my best course of action.  I am currently 5/24, but I opened two accounts (Freedom Flex and Custom Cash Card) on 8/11/2021.  First do they fall off 8/1/2023? 8/11/2023? 9/1/2023? A different date?  The reason I am asking this question, I am looking into the in branch offer on the Slate Edge that has 0% for 18 months and no balance transfer fees.  I am not aware of an end date on this offer and neither was an in branch banker I asked, but I assume it will be ending soon.  I have about $20k in balances on expiring (October-January) BT offers that I would like to consolidate onto this one card. I have plenty of credit from existing chase cards, so a small SL is not really a concern.  I would also like to dip my feet into the business card landscape with the ink preferred card, but that is more of a want rather than a need.  Do you think I would be able to get the slate card than the ink card?  Should I app for the slate first and then the ink?  Wait 14 days? 30 days? My scores are all 750-800 with 0/6, 2/12, and no other new accounts or inquries besides the other three cards.  Does anyone know when the slate in branch offer is ending?  I would like to wait until the end of September but would hate to miss it.  I have three other chase cards and have a checking account if that matters.  Thanks in advance for your help!

[JoeRockhead]

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@adidas33999 wrote:

Hi All!  Looking for advice on my best course of action.  I am currently 5/24, but I opened two accounts (Freedom Flex and Custom Cash Card) on 8/11/2021.  First do they fall off 8/1/2023? 8/11/2023? 9/1/2023? A different date?  The reason I am asking this question, I am looking into the in branch offer on the Slate Edge that has 0% for 18 months and no balance transfer fees.  I am not aware of an end date on this offer and neither was an in branch banker I asked, but I assume it will be ending soon.  I have about $20k in balances on expiring (October-January) BT offers that I would like to consolidate onto this one card. I have plenty of credit from existing chase cards, so a small SL is not really a concern.  I would also like to dip my feet into the business card landscape with the ink preferred card, but that is more of a want rather than a need.  Do you think I would be able to get the slate card than the ink card?  Should I app for the slate first and then the ink?  Wait 14 days? 30 days? My scores are all 750-800 with 0/6, 2/12, and no other new accounts or inquries besides the other three cards.  Does anyone know when the slate in branch offer is ending?  I would like to wait until the end of September but would hate to miss it.  I have three other chase cards and have a checking account if that matters.  Thanks in advance for your help!

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Typically it should fall off on the first of the anniversary month. However, many people wait until the start of the next month to be safe. Chase will allow 2 approvals within a 30 day window, either business or personal cards so if your profile supports it, two approvals you should be possible within a short window. best of luck!

[SouthJamaica]

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@adidas33999 wrote:

Hi All!  Looking for advice on my best course of action.  I am currently 5/24, but I opened two accounts (Freedom Flex and Custom Cash Card) on 8/11/2021.  First do they fall off 8/1/2023? 8/11/2023? 9/1/2023? A different date?  The reason I am asking this question, I am looking into the in branch offer on the Slate Edge that has 0% for 18 months and no balance transfer fees.  I am not aware of an end date on this offer and neither was an in branch banker I asked, but I assume it will be ending soon.  I have about $20k in balances on expiring (October-January) BT offers that I would like to consolidate onto this one card. I have plenty of credit from existing chase cards, so a small SL is not really a concern.  I would also like to dip my feet into the business card landscape with the ink preferred card, but that is more of a want rather than a need.  Do you think I would be able to get the slate card than the ink card?  Should I app for the slate first and then the ink?  Wait 14 days? 30 days? My scores are all 750-800 with 0/6, 2/12, and no other new accounts or inquries besides the other three cards.  Does anyone know when the slate in branch offer is ending?  I would like to wait until the end of September but would hate to miss it.  I have three other chase cards and have a checking account if that matters.  Thanks in advance for your help!

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Personally I would assume 9/1/23.

I would apply first for the card I wanted the most. For you that seems to be the Slate. For me it would be the Ink Preferred.

[mgood]

For aging metrics on your FICO score, I think everything was opened on the first of the month. So it's 8/1.

For Chase's 5/24 rule, I think it's the exact date, 8/11 or 8/12. Many people want to play it safe and wait until 9/1 to be sure.

I fell under 5/24 on 1/16. I applied and was approved for a Sapphire Preferred on 1/20.

 . . . but, this was right before they started approving a bunch of people who were at 5/24 and over, especially for the Sapphire Preferred. So I can't guarantee they saw me as 4/24, but it sure looked that way to me.