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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 04:18 PM in Finance (2) More Chase Deals
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Promoted 07-22-2013 at 09:50 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 01:17 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.

1,542 Comments

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#1456
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.
The transition between 1 and 2 is what I don't understand: transferring money from a zero-balance non-Chase card to the new Slate card can result in a negative balance on the non-Chase card. It seems to me that the transfer should be the other way around.
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#1457
Quote from bitcalcs View Post :
The transition between 1 and 2 is what I don't understand: transferring money from a zero-balance non-Chase card to the new Slate card can result in a negative balance on the non-Chase card. It seems to me that the transfer should be the other way around.
No...

If I have a balance transfer limit of $10,000 for my Slate card. That means I transfer $10,000 FROM my non-Chase TO my Slate card.

Therefore, the Slate card would be at $10,000 once the transfer goes through, and the non-Slate card would be at -$10,000.

Another example - if I transfer money FROM my checking accout, to pay my electric bill, my checking account goes DOWN, ie negative. A negative amount on a checking account is bad, a negative amount on a credit card means you have a surplus.
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#1458
[Disregard]
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#1459
Quote from eryeal View Post :
Assuming he's 9 days from closing, in which case it doesn't matter .. credit report won't be pulled again.
This was very much correct (in my case). There were some issues with the work that needed to be done on the house so I didn't close for 18 days, but I did close with no issues at all. Ended up with a 3.11% interest rate on the 30 year mortgage too. Smilie
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#1460
Was the 0% balance transfer option 90 days at one point. It says 60, but I swear when I signed up it said 90. I looked on Chase's website, but it doesn't have any of the terms of the offer I signed up for available. I called chase and they are no help.

Any info anyone can provide would be most appreciated.
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#1461
Anyone have any concrete info about which credit cards can be successfully overpaid and have the credit refunded? I want to do ~5K.

I'm sure it's been discussed at length within this thread but i tried searching but didnt find much..

If not, one idea i had was to make a 5K purchase on another credit card right before the statement closes, apply a 5K balance transfer to it from the Slate card, then return the 5K item. That way the balance transfer is applied first towards the balance and cannot be rejected. Thoughts? Has anyone tried this before?
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#1462
Quote from torchedlh View Post :
Anyone have any concrete info about which credit cards can be successfully overpaid and have the credit refunded? I want to do ~5K.

I'm sure it's been discussed at length within this thread but i tried searching but didnt find much..

If not, one idea i had was to make a 5K purchase on another credit card right before the statement closes, apply a 5K balance transfer to it from the Slate card, then return the 5K item. That way the balance transfer is applied first towards the balance and cannot be rejected. Thoughts? Has anyone tried this before?
All credit cards can be overpaid and have the credit refunded.
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#1463
Waited almost one and a half weeks to call app recon. I gave them a higher number on my annual income and was approved for $2,200 credit line with no BT fee but did not qualify for 0% 15 month APR.

My Credit Karma is 721.
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#1464
Searched the thread and googled. Is this the only NO balance transfer fee card on the market right now?
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#1465
Quote from eryeal View Post :
No...

If I have a balance transfer limit of $10,000 for my Slate card. That means I transfer $10,000 FROM my non-Chase TO my Slate card.

Therefore, the Slate card would be at $10,000 once the transfer goes through, and the non-Slate card would be at -$10,000.

Another example - if I transfer money FROM my checking accout, to pay my electric bill, my checking account goes DOWN, ie negative. A negative amount on a checking account is bad, a negative amount on a credit card means you have a surplus.
Do I have to call Chase to initiate the first balance transfer to my Citi card?
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#1466
i was surprised.. when I heard from the representative that.. the BT cannot be done toi my checking or savings account.... and it can only be passed on to any other CC... going through some of the posts here.. I see that it cannot be done on chase CC's...

What if I do BT to a card which has 0$'s balance to be paid from me.... will I be able to get the BT from that CC bank done to my account.. without having to pay the fee ?
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#1467
Quote from Slooop View Post :
Searched the thread and googled. Is this the only NO balance transfer fee card on the market right now?
I searched a month or so ago and yes, it was then. Sometimes banks will send out limited time offers for no fee 0% BT's to current customers. However, this was the only mass marketed offer I saw for new customers.

Quote from adnaanusa10 View Post :
i was surprised.. when I heard from the representative that.. the BT cannot be done toi my checking or savings account.... and it can only be passed on to any other CC... going through some of the posts here.. I see that it cannot be done on chase CC's...

What if I do BT to a card which has 0$'s balance to be paid from me.... will I be able to get the BT from that CC bank done to my account.. without having to pay the fee ?
I have overpaid cards before and had no issues (or fees) getting the cash.
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#1468
Just got off the phone with various reps @ Chase. You can only transfer credit card balances for 0% fee, that is, mastercard, amex, visa, discover etc. I inquired about a car loan through another bank and no bueno. I suppose you can can pay a loan with another credit card, then transfer that entire credit card to slate, but seems like a hassle unless you have an ungodly high loan. I'll stick with my 6% since a credit card payment would be like 4% I believe.
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#1469
Quote from Starscream415 View Post :
Just got off the phone with various reps @ Chase. You can only transfer credit card balances for 0% fee, that is, mastercard, amex, visa, discover etc. I inquired about a car loan through another bank and no bueno. I suppose you can can pay a loan with another credit card, then transfer that entire credit card to slate, but seems like a hassle unless you have an ungodly high loan. I'll stick with my 6% since a credit card payment would be like 4% I believe.
If you look through this thread, on several occasions I have posted multiple, and easy, ways to get access to the 0% funds.
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#1470
Quote from eryeal View Post :
If you look through this thread, on several occasions I have posted multiple, and easy, ways to get access to the 0% funds.
90+ page thread and read about 10 pages. Can you direct me to the right area? Basically, i got approved for this card. I have a BoA credit card and a BoA car loan. I want to somehow use this card to pay off that BoA loan. BoA says I would incur a fee if i used my BoA card to pay it off (then i would BT to slate that way) and chase says they cant do a BT unless it's a credit card, nor would they be able to send me a blank check. The two reps i spoke with said it has to be either a credit card or have an account number similar to a credit card. Neither knew for sure if a loan would work but stated probably not. Any help, thanks! By the way, I'd probably do 5-6k of the loan which is most of it.
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