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Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Left the Garden!

I was at Disney today enjoying the Food and Wine Festival at Epcot. While walking around the world showcase I saw a Chase stand. Now I have been wanting the Disney visa for a while, I apped in february of this year but was denied due to high util. (I was at 80%, now I am at 29%). My AAoA is over 6 years, oldest account over 10 years. No baddies. Only 2 inquiries in last year. Highest current limit is mid twenties with Citi.

 

I spoke to the nice lady who told me that they are giving a $100 Disney gift card for any approvals. (Cannot be combined with the online offer of $100 GC or statement credit). She also said that if approved, I can pick up my new card at Downtown Disney that same day! Wow, I gave in and applied. Those few tense seconds after submitting the app were horrible, knowing my history of denial for this card. She looked at her screen and said: "I am so sorry!"...  I was heartbroken. A few seconds later she said: "You are approved!" She had me going! We had a good chuckle and I was both in shock and relieved! She couldn't tell me my CL, but told me where to pick up my new card.

About an hour later I was at Downtown Disney's Guest Relations and picked up my card. SO happy to get approved AND get my new card the same day. I ripped open the envelope and saw my CL as $8000! Woohoo! I called in to activate it and asked the nice rep for a CL recon as I was hoping for $10k. (Hey, why not?) She transferred me to Customer Service who was unable to help me and then I was transferred to a Credit Analyst. They said they would HP me again, I said why not. I plan on gardening after this and Walmart. He put me on hold and came back ten seconds later telling me I was approved for the $10k!

 

I also went online to apply for the Walmart card only to find a preapproval offer of $700. It had all my info already filled in, I just had to put my phone number, DOB and Social. Then it gave me the 7-10 day message. Oh well.

 

So happy with my Disney approval, I am headed to the Garden again. Sorry for the long post!

 


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Left the Garden!

Awesome approval, and congrats on the successful recon on the limit.

 

I just read in the garden thread of your approval, and came out looking for the approval thread... :smileyvery-happy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
0

Re: Left the Garden!

Awesome news now back to the garden you go haha

ccpics2.jpg
Established Contributor
KIPPIE12
Posts: 620
Registered: ‎05-09-2009
0

Re: Left the Garden!

Congrats on that approval! We all know how nervous it is to hit that submit button and watch the app timer spin and spin.  Longest 15 secs or so of our lives while we get nauseous waiting.  You shoud have no problem getting that Walmart either.   Get back to the garden, lol

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k|Sams MasterCard 10k|Barclay Arrival Plus WEMC 10k|Chae IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: Left the Garden!

OMG talk about awesome news i love your story so happy for you Congrats:smileyvery-happy:

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Left the Garden!

congrats. when i was in disney land they where doing a 100 dollar bonus for signing up. 
i was denied though =/ but it wasnt flat out denial he told me id know in 7-10 days

since ive learned about cc though idk if id want one. 

 

any perks to it besides being chase and or a "disney card" 

i live in new england so obv id have to come to florida or cali to use any 'disney related" perks. 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Left the Garden!

$2000 for another hard pulls on same day ??? hmmmmm....Congrat thou....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Left the Garden!

Biggest reason I wanted this card was for the Disney benefits and the cool design! :smileyhappy: I have been a passholder since the late 90's and do spend my share there. I love Disney.

nicholasyud- Hey, what can I say? When the adrenaline is flowing... haha. I thought it was worth it!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Member
TWMAZ
Posts: 43
Registered: ‎03-21-2012
0

Re: Left the Garden!

wow that is awesome, you must of got a high CLI because Disney Land is a rip off and the prices they charge are highway robbery.  a 2 or 3 thousand dollar limit wont even pay for 3 nights at the hotel, I hope you atleast got a good APR because you are going to be paying that off for a long time.

Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Left the Garden!

Living here in the central florida area makes it easy to drive there and parking is included in the annual pass. Eat a good breakfast before heading there and we are back home for dinner. It's not too bad. Now if you have to add airfare, hotel, meals, rental cars. Yes it can be an expensive vacation!
APR for this card is 14.24%

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13

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