topic Re: Diseny's Premier Visa Card in Credit Cards

Disney's Premier Visa Card

CREDITSURFER — Thu, 16 May 2013 00:34:02 GMT

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.

Re: Diseny's Premier Visa Card

Anonymous — Wed, 15 May 2013 23:19:21 GMT

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?

Re: Diseny's Premier Visa Card

Kathy4NU — Wed, 15 May 2013 23:19:43 GMT

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.

Re: Diseny's Premier Visa Card

CREDITSURFER — Wed, 15 May 2013 23:36:39 GMT

@Anonymous 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.

Re: Diseny's Premier Visa Card

Anonymous — Wed, 15 May 2013 23:39:01 GMT

@CREDITSURFER wrote:
@Anonymous 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.

Re: Diseny's Premier Visa Card

Anonymous — Wed, 15 May 2013 23:52:53 GMT

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?

Re: Diseny's Premier Visa Card

CREDITSURFER — Thu, 16 May 2013 00:01:39 GMT

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

Re: Diseny's Premier Visa Card

LS2982 — Thu, 16 May 2013 00:06:38 GMT

@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.

Re: Diseny's Premier Visa Card

CREDITSURFER — Thu, 16 May 2013 00:17:42 GMT

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.

Re: Disney's Premier Visa Card

indiolatino61 — Thu, 16 May 2013 01:25:42 GMT

@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...

Re: Disney's Premier Visa Card

Anonymous — Thu, 16 May 2013 01:36:05 GMT

I got it through recon with not so good scores at the time and high inquiries

Re: Disney's Premier Visa Card

CREDITSURFER — Thu, 16 May 2013 01:54:03 GMT

@Anonymous wrote:
I got it through recon with not so good scores at the time and high inquiries

What was your profile & scores like when you app'ed for it? What did u get for CL?

Re: Disney's Premier Visa Card

Anonymous — Thu, 16 May 2013 02:01:03 GMT

I'm not sure that my util was 9 but was high on all the cards adding up to the 9 percent and I had tons on new accts and in this was in November and 1800

Re: Disney's Premier Visa Card

CreditScholar — Thu, 16 May 2013 06:46:52 GMT

@indiolatino61 wrote:
@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...

I'll give a more blunt answer then.

The Disney card is one of Chase's easiest to get along with the Freedom. You only need to think about the target audience to determine how difficult it will be. Essentially it's a cash-back card with a few Disney-related perks, but the key benefit is 0% for Disney vacations.

If you're someone who needs to finance a Disney vacation (for a few thousand dollars at most), it says something about your financial position and what it says isn't good. Therefore they can't expect the people who are enticed by this card to have stellar credit and super-high incomes, or anything even close.

Re: Disney's Premier Visa Card

FinStar — Thu, 16 May 2013 06:58:13 GMT

@CreditScholar wrote:
@indiolatino61 wrote:
@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...
I'll give a more blunt answer then.

The Disney card is one of Chase's easiest to get along with the Freedom. You only need to think about the target audience to determine how difficult it will be. Essentially it's a cash-back card with a few Disney-related perks, but the key benefit is 0% for Disney vacations.

If you're someone who needs to finance a Disney vacation (for a few thousand dollars at most), it says something about your financial position and what it says isn't good. Therefore they can't expect the people who are enticed by this card to have stellar credit and super-high incomes, or anything even close.

You've beat me to it. CreditScholar is right on the money with this assessment.