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Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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Disney's Premier Visa Card

[ Edited ]

Anyone know if this is a hard card to get approved for? I'll be in the garden until 11/5/13 and was thinking of getting one around that time you use the financing option next year for a vacation.



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Diseny's Premier Visa Card

It depends on what your definition of hard is.

To me it's relatively easy to get compared to CSP but still a lot harder compared to other subprime cards.

Can you tell us more about your profile?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
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Registered: ‎07-09-2012
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Re: Diseny's Premier Visa Card

I am interested too.  I was planning a Disney vacation and with the 0% finance it would be a great option.  I was thinking of applying in November for it when they do the free meal plans.




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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Re: Diseny's Premier Visa Card


enharu wrote:
It depends on what your definition of hard is.

To me it's relatively easy to get compared to CSP but still a lot harder compared to other subprime cards.

Can you tell us more about your profile?

Both BoA cards opened Feb. one is 99/500CL Cash Back and other is 300/300CL. VS opened Apr. 750CL. Total card util. @ 9%. Auto loan 18 months old 7500/10000 @ 75% Debt to Credit, no lates on anything. AAOA is down to 6 months. Overall util. @ 67%. Hope this gives you a good profile.



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Valued Member
Posts: 313
Registered: ‎04-25-2013
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Re: Diseny's Premier Visa Card


CREDITSURFER wrote:

enharu wrote:
It depends on what your definition of hard is.

To me it's relatively easy to get compared to CSP but still a lot harder compared to other subprime cards.

Can you tell us more about your profile?

Both BoA cards opened Feb. one is 99/500CL Cash Back and other is 300/300CL. VS opened Apr. 750CL. Total card util. @ 9%. Auto loan 18 months old 7500/10000 @ 75% Debt to Credit, no lates on anything. AAOA is down to 6 months. Overall util. @ 67%. Hope this gives you a good profile.


That AAoA sounds killer, but tbh, not sure how Chase is re: AAoA.

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Diseny's Premier Visa Card

Do you have an fako or Fico scores of your profile?

I think you should be fine though if you apply at the end of the year. That would give your new accounts time to age.

How many inquiries do you have on each?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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Re: Diseny's Premier Visa Card

[ Edited ]

myFICO (733) 4/13, EQ (670) 5/15, TU (670) 5/15, EX (694) 5/15, CKarma (670), CredSes (699), Quizzle (713)

 

INQ: 7 EQ, 5 EX, 3 TU.

@ 11/3/13 ill only have 1 EQ, 3 EX, 1 TU

 



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: Diseny's Premier Visa Card


CREDITSURFER wrote:

Anyone know if this is a hard card to get approved for? I'll be in the garden until 11/5/13 and was thinking of getting one around that time you use the financing option next year for a vacation.


I agree with other you should be OK at the end of the year as long as you get that util down.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 303
Registered: ‎04-22-2013
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Re: Diseny's Premier Visa Card

[ Edited ]

My overall util.?

Cards are @ 9%, car @ 75% overall with revolving/installment is @ 67%

 

I keep my revolving at 9% each month for scoring purposes, car in 6 months i can get down to, 66% so in 6 months I would be around 59% overall.



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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Valued Contributor
Posts: 1,502
Registered: ‎11-10-2012
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Re: Disney's Premier Visa Card


CREDITSURFER wrote:

Anyone know if this is a hard card to get approved for? I'll be in the garden until 11/5/13 and was thinking of getting one around that time you use the financing option next year for a vacation.


I see it as a middle-of-the-road card, not hard but not easy. Wow...I feel like a wishy-washy politician with this answer...:smileytongue:

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