<prompt> Human: A bit on my situation and reason for applying: I have about 1,400 on a store card with 26 interest and I realized the best thing to do would be to transfer that balance to a 0 introductory APR card and get the balance paid off during the promotional timeframe. I have about 400 on my Capital One credit card that Ive had open since February of 2008 and 650 on another store card. Ive been operating on the snowball method but that would mean Id be getting killed on the interest of the 1,400, unless I switched to the avalanche method. I wanted the Slate card both to transfer that interest bearing balance and save myself a ton in interest charges, and to increase my debt to credit ratio and in-turn help raise my credit score.nbsp;I received a letter from Chase in the mail about a week after applying stating my application had been denied for the following reasons: Length of time since oldest credit card was opened is too short. Credit report shows delinquency, public record or bankruptcy. One or more revolving accounts have not been paid as agreed.nbsp;First of all, as I stated Ive had a Capital One credit card opened since 2008 when I was 18, so roughly 10 years and 1 month. The letter also showed my Equifax credit score as a 632. Both credit sesame and credit karma have my overall score as a 680, and CK shows my Equifax score as a 672 as of today, actually just dropping by 3 points for the credit inquiry. I also only have one delinquent payment showing as of now that was in August of 2016, which was a simple 30 days late payment for a card I carelessly missed a payment on.nbsp;I callled their reconsideration line and told the rep I was puzzled by their reasoning for denial. I told her I had a Capital One credit card opened for more than 10 years and asked how the length of time since my oldest credit card could have possibly been a factor. She said she was looking at some things and said she did see the account there and that, It must have been a mistake. She then went on to say that my report showed late payments for a couple of store cards; one of the companies is no longer in existence and one went to collections over a matter of 35 on an account that was stagant, but they applied either annual fees or interest charges that I wasnt aware of. The other was from my student loan payments in 2013 and the last one was the one I mentioned from 2016. I told her that all of those were over two years old and only one was showing as reported on my current report. nbsp;I also raised question to the credit score they had listed for me and she said that they dont really factor in credit score when making their determination. Anyway, I asked if they would reconsider and she went through the process and confirmed my salary 47,500 and asked why those payments were delinquent. I told her that they were all just a simple 30 days late payment and each account only had one negative mark, all of which are at least 2 years old, most closer 5 or 6. She then said that based on the delinquent payments they still wouldnt be able to approve me. nbsp;Ive had no trouble opening up several lines of credit all while those delinquentnegative marks were on my credit report. I believe 4 store accounts, a mortgage and an auto-loan. Yet, Chase wont approve me? Im wondering if its even worth it to try and apply for other 0 intro APR cards to make a balance transfer to at this point or if Chase is simply an anomaly. I dont want to rack up credit inquiries for nothing but transferring the interst bearing balance and increasing my credit to debt ratio is the best thing i could do for myself at this juncture. nbsp;Any recommendations on where to go from here or other cardscompanies that I may have more luck with?  <response>: Chase isnt likely to approve you with delinquents on your account, no matter how small. 