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patz2009

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  1. Depends on your definition of "small". Regional, maybe, but they're the 17th largest bank in the US. I figure it could be worth a shot.
  2. I was searching around for other cards that might be able to get me a cost-free promo period for a balance transfer. I had already taken Alliant for theirs, and wanted to hold off on doing it with the Chase Slate iiI could avoid it. Found out that M&T is offering those until the end of Q1 2016, and thought that could be some good info for people here that might have already used up their options from other creditors and will need a BT in the next 6 months. I couldn't find any other posts on this, but if it's already been discussed feel free to tell me to shut up. Couldn't find much info on CreditPulls for them so unfortunately there's few data points on this. Anyone want to be a Guinea pig? https://www.mtb.com/personal/loanscredit/creditcard/Pages/CreditCards.aspx
  3. I don't feel good about it, definitely. Though I'm going to work my best to make sure it's not going to hurt me any more than it has to going forward. Definitely a learning experience, though I've never had to deal with unemployment before. Sent from my SAMSUNG-SM-N910A using Tapatalk
  4. I'm going to bump this once, to try to get other people's viewpoints. It's gonna be a little while before I throw in the applications, but any insight would be appreciated. Sent from my SAMSUNG-SM-N910A using Tapatalk
  5. Oh, I'm well aware of that part. I will be transferring the balances one way or another, just need to see what might be able to be done to "lessen the impact". This isn't my first rodeo Essentially, I'm not sure if Chase will deny me for the Slate flat out deny me because of those balances (which in the grand scheme of things isn't much). I was thinking that I want to get them over to a Slate one way or another, and if it'll look better if I send them over to my PSECU card (0% fee, 2.9% APR until 12/16) so then it'll look like those cards are zero'd out and PSECU's at ~30% utilization and then send the balance to Chase afterwards to avoid any kind of interest on it for 15 months afterwards. tl;dr: Apply for Chase Slate with... 2 cards reporting >40% utilization (Citi probably closer to 80% at time of application) and have no fees/interest. OR 1 card reporting ~30% utilization and have approx a month of interest (a paltry 2.9% APR at that).
  6. So, I've been bad the last few months. I was on unemployment but didn't want to have myself living on an unemployment lifestyle. That said, I've racked up some balances (thankfully at 0% at the time being). Citi DoubleCash $1920/$2000 Alliant CU $4229/$10000 Overall utilization on my reports is at 7%. I have a new job and should be able to start paying these off, but not completely before the 0% offers run out for them in December. That said, I'd be looking to transfer them to a Slate around that time. I should also have some of these balances knocked down. However, I've heard that Chase has been getting stingy lately. So, I'm concerned that they might get alarmed at my high usage of my Citi DC (which is Citi's fault, they shouldn't have given me such a low limit ). Will Chase hate that, or should I be fine? Would it be worth the couple of cents of interest I'd accrue by moving these balances to my PSECU 20/20 card for a month or so? Any suggestions would be appreciated. ETA: My scores haven't tanked because of this usage on individual cards, but I imagine they'd be a bit higher were the situation different.
  7. To be honest I'm skeptical of most of those kinds of offers from banks in South Dakota. I don't remember the specific details, but I believe they lack some kind of consumer protection laws that most other states carry. Sent from my SAMSUNG-SM-N910A using Tapatalk
  8. Another card from Chase. Sent from my SAMSUNG-SM-N910A using Tapatalk
  9. I'll back up my statement with some law... Specifically, the Dodd-Frank act... (Lenders are required to) provide to the consumer written or electronic disclosure-- (A) of a numerical credit score as defined in section 609(f)(2)(A) used by such person in taking any adverse action based in whole or in part on any information in a consumer report... In other words, if they didn't use a credit score to make their decision, they don't have to provide you one. And in the case of CLIs, most banks won't use a score to make that decision. Sent from my SAMSUNG-SM-N910A using Tapatalk
  10. How are they going to give you a score if they didn't use one to make their decision? Sent from my SAMSUNG-SM-N910A using Tapatalk
  11. Legally they're only obligated to provide you a score if that was used in their decision making to deny you credit, or give you credit with less-than-perfect terms (I.e. Higher APR). After you have a card with them, they typically don't need to get your score again; they already know your payment history and pulling another score costs the bank unnecessary money. In short, if you're asking them for a score after a CLI request, chances are they don't even have it. Sent from my SAMSUNG-SM-N910A using Tapatalk
  12. I know Santander has the Sphere which can give you 24 months at 0% APR, but they also have an above average balance transfer fee of 4%. Something to consider. Sent from my SAMSUNG-SM-N910A using Tapatalk
  13. Good info to keep in mind for any Visa Signature. Sent from my SAMSUNG-SM-N910A using Tapatalk
  14. The Venture card is a Visa Signature, so it has a minimum limit of $5000. That's why you might have gotten the "can't justify your requested limit" message. Sent from my SAMSUNG-SM-N910A using Tapatalk

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