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themrsmdg
Posts: 1
Registered: ‎05-17-2013
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Disney Chase Visa- Recon

Hi Everyone!

 

I am new to this site and after reading about credit recon, I decided to try it out. I have been denied for the Disney Chase card before because of a discrepancy between my name/maiden name after getting married, but I decided to apply for it again today and then I called the backdoor line.

 

I asked the man what I needed to do to aid the process and he said that all they needed was a proof of income, which I could fax to them. On the original app I put my total gross household income on the app because I was told that if you could use your spouse's income to pay off the card, that you could put that down. The man, however, told me that I could only send in my individual income, which will be of course less than what my gross household income is.

 

Will I be denied if they do not match up? Or was he wrong and I can send in both of our income info? Also, he was not very clear about what I should send in other than a W-2 as proof, is there anything else I can send?

 

Thank you so much for helping me with this. I am new to this site, but I really appreciate all of the info I have found so far.

 

Side note: My most recent credit score is 723- the things hurting me are that I only have a few established years of history and I am not utilizing my credit as much as I should.

Valued Contributor
jamesdwi
Posts: 1,819
Registered: ‎09-16-2011
0

Re: Disney Chase Visa- Recon

I don't think the Disney card is that hard to get approved? What is causing the problem? Too many INQ? BK still reporting? at 723 if its a real FICO score should be an instant approval.

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Moderator
09Lexie
Posts: 25,546
Registered: ‎09-13-2012
0

Re: Disney Chase Visa- Recon

Welcome to the forum! Do you mind sharing your cr profile? Chase likes to see revolving credit history. Although your cr score is good, I agree with jamesdwi - there's something causing a problem.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Disney Chase Visa- Recon

[ Edited ]

Hi there!

Welcome to the MyFICO community forums!

 

A recent amendment to the CARD Act allows HHI to be included on credit card applications. The credit card companies have 6 months to comply.

 

If I were in your shoes I would send both yours and your husbands W-2, along with a recent utlity bill or bank account statement in your name.

 

 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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