- ANNUAL FEE None
Chase Slate®’s Additional Info
- MAX LATE FEE $35
- MAX PENALTY APR None
- GRACE PERIOD 21 days
- ONLINE RESPONSE No
RATE 24.99% (V)
FEE 5% (min $10)
TRANSACTION FEE 3%
- SMART CHIP Yes, chip-and-signature
- Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
- $0 Introductory balance transfer fee for transfers made during the first 60 days
- 0% Introductory APR for 15 months on purchases and balance transfers
- NEW Free Monthly FICO® Score and Credit Dashboard
- No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
- $0 Annual Fee
Chase Slate® Reviews
Additionally, even though my promotional balance was paid long ago, they still charge me interest on the purchase balance that was not paid before the end of the promotional period.
On top of that, my husband has two slate cards, and they somehow are regularly compromised. In the last three years, he has had to have 5 replacement cards sent. Also, Chase had been charging him for years for their account protection service which they never informed him that he was enrolled.
On top of that, they screwed up their legal obligation to handle his accounts according to the Servicemembers Civil Relief Act (Yes, Chase, you can't even get it right for those who fight for your right to be idiots). Needless to say, Chase has cost my family thousands of dollars, diminished credit scores, and a lot of stress and unhappiness.
Their card sucks. Their customer service sucks. Their entire attitude sucks. The 0% APR and 0% Balance Transfer Fee isn't worth the hassle if anything unexpected happens in your life and you have to handle something dire and reduce your payments for a couple of months (and I am sure I am not the only one in the world who had to burn through their emergency funds - almost 2 years worth of pay set aside -, stop contributing to their retirement funds, and go a little too much into debt because of health or other emergency issues).
Maybe some day we will get lucky and Chase will no longer be considered a "Too Big To Fail" company and they will just disappear off to wherever evil is caged.… more
AFTER ALL I GOT 2 INQUIRIES ON ALL CREDIT BUREAU USELESS $500 CREDIT LIMITS PLASTIC
Because this card is for those who fall into a lower credit score, the fact there are no rewards is a good thing, because there will be no enticement to make purchases simply to get accumulate rewards. Ultimately, the benefit of the card is that it is standard and allows you flexibility without any unnecessary extras for new card holders.
The card also offers 0% interest on Balance transfers, which is a optimal for paying off any other credit card on other higher interest cards. This is also the only nationally advertised deal with no transfer fee. The max late fee is $35, which is very fair, and just enough to cause new card holders to want to avoid the charge again without too much a punishment. Some cards can charge as high as $50 in late fees. The card has good customer service, and online transfers are easy to do as well. Payments can be made using the Chase app also. There are text messages and email alerts which remind you to make a payment.
An interesting point to note is the vertical card design, as opposed to the standard horizontal one. I think the look of the card affects how people perceive and use the card, and because it's not as typical-looking, and perhaps not as aesthetically interesting otherwise, it may deter people from using it as much, which may be a helpful thing if you're trying not to spend but still need a card. It's a psychological connection, but worth noting.
The Chase Slate also has "Blueprint," a budgeting tool which helps you save money on interest and stick to your goals of paying down balances quicker. Just by having the card, this is completely free. Chase claims that customers who set up their plan and and stick to their “Split It” or “Finish It” Blueprint plan usually pay their balance two times faster compared to their other cardholders. This obviously saves a lot of money over time, and is a unique tool.
The Chase Slate card is good for those who are looking to build up their credit, or simply don't need a card with any extra bonuses. It is helpful to have in case of emergencies, and with the 0% introductory rate, you're not paying interest for the first year, which means you don't have to pay off the bill right away, a nice perk for those who do pay in full and on time. Even though there are no rewards, the simplicity of the card and how it encourages you to work to get better credit is the real reward of the card.… more
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Last updated on: Jul 6th, 2015 at 3:30 EDT