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New Visitor
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
Posts: 2,110
Registered: ‎09-16-2011
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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 & Delta Gold 6k & Zync NPSL, Fidelity AMEX 6k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 7.5k and a nice stack of store cards.
Last APP 4/14/2015
Moderator
Posts: 27,206
Registered: ‎09-13-2012
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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
Posts: 7,225
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.

 

 


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