11-12-2012 08:08 PM
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!
11-12-2012 08:10 PM
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...
11-12-2012 08:24 PM
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
11-12-2012 08:39 PM
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: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 7 EX 8 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
11-12-2012 08:40 PM
$2000 for another hard pulls on same day ??? hmmmmm....Congrat thou....
11-12-2012 08:45 PM
Biggest reason I wanted this card was for the Disney benefits and the cool design! 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!
11-12-2012 08:54 PM
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.
11-12-2012 09:03 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO