topic Re: Chase Disney Flex Card in Credit Cards

Chase Disney Flex Card

Anonymous — Sat, 10 Mar 2018 17:32:33 GMT

I called about getting an increased line on the card, but they said it would be a hard pull. They did say the card is a flex and you can go above your balance, would exceeding the available balance even if I paid it off hurt my score? I see that one of the amounts reported to the CB’s is maximum balance used. I don’t want to hurt my credit, but debating to use 7k on a 6k Card.

Re: Chase Disney Flex Card

Anonymous — Sat, 10 Mar 2018 17:58:03 GMT

If you have a Chase checking acct, you can get them to replace your standard debit card with a Disney debit card. This debit card has all of the discount and Disney perks of the credit cards including the various discounts and accesses that the Disney CCs afford you. I'm not sure, but I suspect that may alleviate your need for a higher credit limit on the CC.

Re: Chase Disney Flex Card

Anonymous — Sat, 10 Mar 2018 18:11:31 GMT

@Anonymouswrote:
If you have a Chase checking acct, you can get them to replace your standard debit card with a Disney debit card. This debit card has all of the discount and Disney perks of the credit cards including the various discounts and accesses that the Disney CCs afford you. I'm not sure, but I suspect that may alleviate your need for a higher credit limit on the CC.

My guess is not, OP is probably using the card to get rewards. Debit cards do not offer any rewards.

Re: Chase Disney Flex Card

Anonymous — Sat, 10 Mar 2018 18:28:42 GMT

@Anonymouswrote:
I called about getting an increased line on the card, but they said it would be a hard pull. They did say the card is a flex and you can go above your balance, would exceeding the available balance even if I paid it off hurt my score? I see that one of the amounts reported to the CB’s is maximum balance used. I don’t want to hurt my credit, but debating to use 7k on a 6k Card.

No it would not hurt your score if you paid it off before it reports.

Re: Chase Disney Flex Card

Anonymous — Sat, 10 Mar 2018 23:36:13 GMT

@Anonymouswrote:
@Anonymouswrote:
If you have a Chase checking acct, you can get them to replace your standard debit card with a Disney debit card. This debit card has all of the discount and Disney perks of the credit cards including the various discounts and accesses that the Disney CCs afford you. I'm not sure, but I suspect that may alleviate your need for a higher credit limit on the CC.
My guess is not, OP is probably using the card to get rewards. Debit cards do not offer any rewards.

I would recommend the OP get the Disney debit and a Freedom, then roll the Disney CL into the Freedom. It's the same 1% at worst, and easier to redeem.