topic Re: Chase Disney Premier Visa Approval in Credit Card Approvals

Chase Disney Premier Visa Approval

avv7c0 — Fri, 21 Feb 2014 02:30:12 GMT

Ok, so let me first say that yes, I am well aware that this is not the best rewards card out there. 2% on gas, groceries (includes Target & Wal-Mart), and Disney purchases. 1% on everything else. That's not why we applied, since I'm quite happy to continue using our Venture as our primary card.

We live 15 minutes outside the gate of Walt Disney World, and thus are there almost every week for dinner, or to catch a ride, show or concert using our annual passes. We stay at their Deluxe resorts 4-5 times a year, and take 1-2 Disney cruises a year. With all of that in mind, I felt like it made sense to get this card, for these two key perks:

0% APR for 6-months (ongoing) every time we book a Disney vacation package (which includes our resort stays and cruises). Venture can't offer me that.
$50 onboard credit for all cruises, which allows us to break even on the annual fee if we just take one cruise, or we come out ahead $50 if we take 2 cruises as we did last year.

There are other perks like merchandise and dining discounts, but we get most of those through our annual pass anyway. Any rewards points we get on top of that (at 2%) are just extra pluses, but were not factored into our decision.

Lastly, on their website they are currently offering a $200 Disney Gift Card for the basic rewards card (no AF but only 1%), or $100 Disney Gift Card for the Premier. HOWEVER, when we booked our last cruise, I remember seeing a $200 statement credit (not gift card) offer if we agreed to sign-up for the Premier card as part of the booking process. I went back through the cruise booking process tonight to see if they still had the offer, and they did! So instead of waiting 6-8 weeks after meeting the $500 spend requirement for the gift card, we get the Premier card, plus $200, plus it posts as a statement credit in 2 weeks or less. Didn't have to book the cruise in order to get it, but you have to go through the whole booking process in order to see the offer. Just a little tip in case this post shows up in Google for someone.

Anyway, so I had my wife apply because she doesn't currently have any revolving credit solely in her name. She is an AU on all of my cards. Since my scores are just fine where they are, I decided to not apply jointly and save myself the INQ. Her score is 726 with one 5-year old 90-day late on her CR. She was approved instantly for a $5000 initial CL. Just wanted to document the approval here in case anyone else is considering this card. You can use this link to see the average CLs of other holders of this card: https://www.creditkarma.com/reviews/credit-card/single/id/chaseDisney

Hope that helps! With this card, we broke the $60k mark for available CL. Wahoo!

Re: Chase Disney Premier Visa Approval

gdale6 — Fri, 21 Feb 2014 02:53:36 GMT

Re: Chase Disney Premier Visa Approval

Vegas247 — Fri, 21 Feb 2014 02:58:13 GMT

Congrats! I'm sure Mickey Mouse is just as happy as you are!

Re: Chase Disney Premier Visa Approval

avv7c0 — Fri, 21 Feb 2014 03:02:11 GMT

LOL. Yes, I bet he is.

Re: Chase Disney Premier Visa Approval

efranklin23 — Fri, 21 Feb 2014 03:18:00 GMT

@avv7c0 wrote:
Ok, so let me first say that yes, I am well aware that this is not the best rewards card out there. 2% on gas, groceries (includes Target & Wal-Mart), and Disney purchases. 1% on everything else. That's not why we applied, since I'm quite happy to continue using our Venture as our primary card.

We live 15 minutes outside the gate of Walt Disney World, and thus are there almost every week for dinner, or to catch a ride, show or concert using our annual passes. We stay at their Deluxe resorts 4-5 times a year, and take 1-2 Disney cruises a year. With all of that in mind, I felt like it made sense to get this card, for these two key perks:

0% APR for 6-months (ongoing) every time we book a Disney vacation package (which includes our resort stays and cruises). Venture can't offer me that.
$50 onboard credit for all cruises, which allows us to break even on the annual fee if we just take one cruise, or we come out ahead $50 if we take 2 cruises as we did last year.
There are other perks like merchandise and dining discounts, but we get most of those through our annual pass anyway. Any rewards points we get on top of that (at 2%) are just extra pluses, but were not factored into our decision.

Lastly, on their website they are currently offering a $200 Disney Gift Card for the basic rewards card (no AF but only 1%), or $100 Disney Gift Card for the Premier. HOWEVER, when we booked our last cruise, I remember seeing a $200 statement credit (not gift card) offer if we agreed to sign-up for the Premier card as part of the booking process. I went back through the cruise booking process tonight to see if they still had the offer, and they did! So instead of waiting 6-8 weeks after meeting the $500 spend requirement for the gift card, we get the Premier card, plus $200, plus it posts as a statement credit in 2 weeks or less. Didn't have to book the cruise in order to get it, but you have to go through the whole booking process in order to see the offer. Just a little tip in case this post shows up in Google for someone.

Anyway, so I had my wife apply because she doesn't currently have any revolving credit solely in her name. She is an AU on all of my cards. Since my scores are just fine where they are, I decided to not apply jointly and save myself the INQ. Her score is 726 with one 5-year old 90-day late on her CR. She was approved instantly for a $5000 initial CL. Just wanted to document the approval here in case anyone else is considering this card. You can use this link to see the average CLs of other holders of this card: https://www.creditkarma.com/reviews/credit-card/single/id/chaseDisney

Hope that helps! With this card, we broke the $60k mark for available CL. Wahoo!

Congrats on the new card!!

Re: Chase Disney Premier Visa Approval

-Wade- — Fri, 21 Feb 2014 03:54:15 GMT

@avv7c0 wrote:
Ok, so let me first say that yes, I am well aware that this is not the best rewards card out there. 2% on gas, groceries (includes Target & Wal-Mart), and Disney purchases. 1% on everything else. That's not why we applied, since I'm quite happy to continue using our Venture as our primary card.

We live 15 minutes outside the gate of Walt Disney World, and thus are there almost every week for dinner, or to catch a ride, show or concert using our annual passes. We stay at their Deluxe resorts 4-5 times a year, and take 1-2 Disney cruises a year. With all of that in mind, I felt like it made sense to get this card, for these two key perks:

0% APR for 6-months (ongoing) every time we book a Disney vacation package (which includes our resort stays and cruises). Venture can't offer me that.
$50 onboard credit for all cruises, which allows us to break even on the annual fee if we just take one cruise, or we come out ahead $50 if we take 2 cruises as we did last year.
There are other perks like merchandise and dining discounts, but we get most of those through our annual pass anyway. Any rewards points we get on top of that (at 2%) are just extra pluses, but were not factored into our decision.

Lastly, on their website they are currently offering a $200 Disney Gift Card for the basic rewards card (no AF but only 1%), or $100 Disney Gift Card for the Premier. HOWEVER, when we booked our last cruise, I remember seeing a $200 statement credit (not gift card) offer if we agreed to sign-up for the Premier card as part of the booking process. I went back through the cruise booking process tonight to see if they still had the offer, and they did! So instead of waiting 6-8 weeks after meeting the $500 spend requirement for the gift card, we get the Premier card, plus $200, plus it posts as a statement credit in 2 weeks or less. Didn't have to book the cruise in order to get it, but you have to go through the whole booking process in order to see the offer. Just a little tip in case this post shows up in Google for someone.

Anyway, so I had my wife apply because she doesn't currently have any revolving credit solely in her name. She is an AU on all of my cards. Since my scores are just fine where they are, I decided to not apply jointly and save myself the INQ. Her score is 726 with one 5-year old 90-day late on her CR. She was approved instantly for a $5000 initial CL. Just wanted to document the approval here in case anyone else is considering this card. You can use this link to see the average CLs of other holders of this card: https://www.creditkarma.com/reviews/credit-card/single/id/chaseDisney

Hope that helps! With this card, we broke the $60k mark for available CL. Wahoo!

Congrats on your approval

Re: Chase Disney Premier Visa Approval

yudeology101 — Fri, 21 Feb 2014 06:46:30 GMT

Yay WTG congrats to your DW on the approval!!!

Re: Chase Disney Premier Visa Approval

coldnmn — Fri, 21 Feb 2014 10:14:29 GMT

Congrats to DW! Thanks for sharing.

Re: Chase Disney Premier Visa Approval

alvon123 — Fri, 21 Feb 2014 11:27:01 GMT

congrats

Re: Chase Disney Premier Visa Approval

michael- — Fri, 21 Feb 2014 17:26:27 GMT

Congrtulations! I was just approved yesterday as well.

My wife and I live in San Diego and we visit Disneyland about once a month, WDW twice a year and try to take a Disney Cruise at least once a year. I agree with you that the rewards is not as good as other credit cards, but to have a DIsney one and use the rewards for trips is a plus!

Re: Chase Disney Premier Visa Approval

Vegas247 — Fri, 21 Feb 2014 17:27:23 GMT

Re: Chase Disney Premier Visa Approval

avv7c0 — Fri, 21 Feb 2014 18:01:27 GMT

Congrats to you also, Michael. If you don't mind me asking, what are your scores and what was your initial CL?

Re: Chase Disney Premier Visa Approval

asphaltcowboy — Fri, 21 Feb 2014 18:41:24 GMT

Congrats to DW on the approval, nice CL!!

Re: Chase Disney Premier Visa Approval

michael- — Fri, 21 Feb 2014 22:43:18 GMT

Thank you! My credit score on EX they pulled was 740. And my credit line is 7,500.

Re: Chase Disney Premier Visa Approval

SunriseEarth — Sat, 22 Feb 2014 05:08:46 GMT

Congrats! I definitely think their special financing deals make the card worth it, even if the rewards aren't as good as other cards. Plus, the cards have great designs! This may be on my list for 2015

Re: Chase Disney Premier Visa Approval

Anonymous — Sat, 22 Feb 2014 19:54:58 GMT

Must be nice to be so close to Disney! Sure seems like the card is a no brainer for you!

Re: Chase Disney Premier Visa Approval

efranklin23 — Sun, 23 Feb 2014 11:35:10 GMT

@Anonymous wrote:
Must be nice to be so close to Disney! Sure seems like the card is a no brainer for you!

I used to think that too until my firend's house was caved in due to sinkholes

Re: Chase Disney Premier Visa Approval

avv7c0 — Sat, 01 Mar 2014 12:30:32 GMT

We posted an update to this approval here: http://ficoforums.myfico.com/t5/Credit-Card-App-Approvals/UPDATE-Chase-Disney-Premier-Visa-Approval/td-p/2866393

Basically, they bumped us from $5K to $8,900 CL!

Re: Chase Disney Premier Visa Approval

michael- — Tue, 24 Feb 2015 02:48:12 GMT

Just wanted to update the thread that I have had my card for one year. My Disney Premiere card was not a signature card even though my credit limit is $7500. I emailed Chase for the Visa Signature upgrade and they approved it today. So happy! I didn't ask for a credit line increase and haven't received one either.

Re: Chase Disney Premier Visa Approval

uswala — Tue, 24 Feb 2015 02:54:56 GMT

OP...congrats on the approval to you and you wife!