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Slate® by Chase Introductory Offer: 0% APR for 15 Months and no Balance Transfer Fee

xkairos_hxc 262 April 29, 2012 at 05:18 PM in Finance (2) More Chase Deals
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Promoted 07-22-2013 at 10:50 AM View Original Post
Chase offers after approval the Chase Slate Card: 0% APR for 15 Months & No Balance Transfer Fee. Thanks xkairos_hxc
  • No Balance Transfer Fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases
  • 0% Introductory APR for 15 months on balance transfers
  • Zero liability and Fraud Protection on unauthorized purchases
  • Add an additional card user to your Slate account at no extra cost
  • No Annual Fee

Original Post

Edited July 19, 2013 at 02:17 PM by thelnel52
Here is a link for the Chase Slate card it's 0% APR for 15 months with no balance transfer fee which is a rarity now a days.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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#1441
Quote from Phantompersona View Post :
I just got approved for the card, though i don't know how much credit i will get. If i were to spend say 3k this black friday, i won't have to pay monthly like my old credit cards till like 15 months?
You have to pay the minimum every month but you won't get charged interest on whatever is left over for 15 months.
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#1442
Quote from imlkrsfn2 View Post :
You have to pay the minimum every month but you won't get charged interest on whatever is left over for 15 months.
but wouldn't only paying the minimum hurt my credit score? I usually pay my whole bill before the due date lol.
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#1443
Quote from Phantompersona View Post :
but wouldn't only paying the minimum hurt my credit score? I usually pay my whole bill before the due date lol.
kind of, temporarily, and not very much. If your credit utilization is too high, it will lower it a little bit but once you pay it off you will be fine. Sign up for credit karma and read through their guides regarding this stuff, it explains it pretty well.
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#1444
Quote from imlkrsfn2 View Post :
kind of, temporarily, and not very much. If your credit utilization is too high, it will lower it a little bit but once you pay it off you will be fine. Sign up for credit karma and read through their guides regarding this stuff, it explains it pretty well.
Not true, and a common error. Making the minimum payment won't hurt your score at all - a common misconception is that if you pay off your credit card before the due date, the total amount on the card doesn't go on your credit report. This is wrong. As soon as your statement is generated, that is what goes on your credit card in terms of your debt. The only way for this not to appear is to pay off your credit card BEFORE the statement/bill even gets generated.
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#1445
Quote from eryeal View Post :
Not true, and a common error. Making the minimum payment won't hurt your score at all - a common misconception is that if you pay off your credit card before the due date, the total amount on the card doesn't go on your credit report. This is wrong. As soon as your statement is generated, that is what goes on your credit card in terms of your debt. The only way for this not to appear is to pay off your credit card BEFORE the statement/bill even gets generated.
Let's assume this is his only credit card at a $5000 limit, he charges $4800 and pays the minimum for the next 18 months. At $4800 96% of his available credit is used up and will be high until it's paid off. That will drop his credit score until it's paid off or at a reasonable percentage.
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#1446
Quote from imlkrsfn2 View Post :
Let's assume this is his only credit card at a $5000 limit, he charges $4800 and pays the minimum for the next 18 months. At $4800 96% of his available credit is used up and will be high until it's paid off. That will drop his credit score until it's paid off or at a reasonable percentage.
I understand what you're saying - I'm talking about another angle. For instance:

Statement comes - $4800/$5000 - credit score drops from 730 to 700 due to 96% usage.

Your credit score is not going to drop any lower than the above 700 because you make minimum payments for the next 18 months - it's going to stay at 700 and gradually increase over time. So in actuality the minimum payment doesn't hurt you - your credit score already dropped the moment your statement closed.

So for instance if I charge $4800 every month on my credit card, and pay it off completely every month - it's the same credit score as charging $4800 now and paying minimum monthly payments for 18 months. Your credit report is going to show the same $4800 for your debt. What I was trying to say is that a lot of people think if they pay off their credit cards every month, the charges/debt don't show up on your credit report or affect your credit score, which they do. Whether you pay it off every month, or just have the same amount of ongoing debt - if the amount of charges are the same, it's an equal credit score.
Last edited by eryeal November 1, 2012 at 12:53 PM
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#1447
Quote from eryeal View Post :
I understand what you're saying - I'm talking about another angle. For instance:

Statement comes - $4800/$5000 - credit score drops from 730 to 700 due to 96% usage.

Your credit score is not going to drop any lower than the above 700 because you make minimum payments for the next 18 months - it's going to stay at 700 and gradually increase over time. So in actuality the minimum payment doesn't hurt you - your credit score already dropped the moment your statement closed.

So for instance if I charge $4800 every month on my credit card, and pay it off completely every month - it's the same credit score as charging $4800 now and paying minimum monthly payments for 18 months. Your credit report is going to show the same $4800 for your debt. What I was trying to say is that a lot of people think if they pay off their credit cards every month, the charges/debt don't show up on your credit report or affect your credit score, which they do. Whether you pay it off every month, or just have the same amount of ongoing debt - if the amount of charges are the same, it's an equal credit score.
You're right. That's what I intended to say in my original post, but you explained it much better.
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#1448
Well I tried to get them to make the check out to me for $6000, I was approved for $9900, for a balance transfer but they said no to the check. So I had them transfer $6000 to my AMEX which hopefully I will be able to withdraw. They said it should post to my AMEX account in 5-6 days anyone know how long it takes to get a check from AMEX?
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#1449
For those who weren't approved and looking for a card to get based on credit score, etc check out whogavemecredit dot com. I found the website on a ficoforum and people list cards they were approved for and their credit scores, limits approved for, etc.
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#1450
Wiki is a little confusing, is it possible to BT from a Freedom to the Slate? I know the fine print says "no", any way around this?
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#1451
Quote from kuripot View Post :
Wiki is a little confusing, is it possible to BT from a Freedom to the Slate? I know the fine print says "no", any way around this?
Send the balance transfer to a card that has no balance, once it goes through, request a check from that card company for the negative balance, and then send in your payment for the Freedom.

It's a bit easier if you have a bank credit card, then you can transfer the balance there, and then call them up and ask them to transfer the negative balance into your checking account.
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#1452
Quote from eryeal View Post :
Send the balance transfer to a card that has no balance, once it goes through, request a check from that card company for the negative balance, and then send in your payment for the Freedom.

It's a bit easier if you have a bank credit card, then you can transfer the balance there, and then call them up and ask them to transfer the negative balance into your checking account.
Let me see if I understand this correctly, you're saying I should:1. transfer my Freedom balance to a another cc (I'd incur a BT fee)

2. request a check for a negative balance (don't understand this, if I BT to the other card, I'd have a positive balance. Obviously I'm not getting this)
3. pay Freedom balance.


In the past, if I have a balance I couldn't pay off I would apply for 0% cc offers. The only reason I applied for the Slate was to take advantage of the "no fee" BT. Otherwise I would've just BT'd to my Discover card and eaten the fee. Thanks again for the help, hopefully I can figure this out!
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#1453
Quote from kuripot View Post :
Let me see if I understand this correctly, you're saying I should:1. transfer my Freedom balance to a another cc (I'd incur a BT fee)

2. request a check for a negative balance (don't understand this, if I BT to the other card, I'd have a positive balance. Obviously I'm not getting this)
3. pay Freedom balance.


In the past, if I have a balance I couldn't pay off I would apply for 0% cc offers. The only reason I applied for the Slate was to take advantage of the "no fee" BT. Otherwise I would've just BT'd to my Discover card and eaten the fee. Thanks again for the help, hopefully I can figure this out!
Um, no.

1. Make your 0% balance transfer to your new Slate card from any zero-balance non-Chase card.
2. Wait for transfer to go through, resulting in a negative balance on your non-Chase card.
3. Call non-Chase card, request a check for the negative balance.
4. Deposit check into your bank account.
5. Pay off your Freedom card from your bank account.

Example:

I owe $5,000 on my Freedom Card. I apply for the Slate card and get approved. I also have a Citi card with $0 balance. I transfer $5,000 from my Citi card to the Slate Card at 0%/0% with the Slate BT offer. In a few days, my Citi card receives the money, and now I have a negative $5k balance. I call Citi, request a check for the $5k negative balance. I get the check, put it in my bank, and then pay my Freedom card from my bank.
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#1454
Quote from eryeal View Post :
Um, no.

1. Make your 0% balance transfer to your new Slate card from any zero-balance non-Chase card.
2. Wait for transfer to go through, resulting in a negative balance on your non-Chase card.
3. Call non-Chase card, request a check for the negative balance.
4. Deposit check into your bank account.
5. Pay off your Freedom card from your bank account.

Example:

I owe $5,000 on my Freedom Card. I apply for the Slate card and get approved. I also have a Citi card with $0 balance. I transfer $5,000 from my Citi card to the Slate Card at 0%/0% with the Slate BT offer. In a few days, my Citi card receives the money, and now I have a negative $5k balance. I call Citi, request a check for the $5k negative balance. I get the check, put it in my bank, and then pay my Freedom card from my bank.
Ah, ok, makes much better sense now, cheers!
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#1455
The link in the OP does not seem to work anymore. I submitted the application twice and it errored out both times. This new link seems to work:

https://creditcards.chase.com/cre...slate.aspx
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