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I have a question regarding Chase Disney

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Cyberbo60
Valued Member

I have a question regarding Chase Disney

I have a FICO of 744 and I applied for theChase Disneycard. I wsgiven the 30 day notice and I then called. The guy said I had to many inquiries (8)and my oldest card wasnt over a year old.  I have 4 cards all under a year old. I thought I was doing well but I guess not. Any ideas?

Message 1 of 10
9 REPLIES 9
RadioRob
Established Contributor

Re: I have a question regarding Chase Disney

You're off to a good start, but Chase is not exactly the most friendly to new folks. They generally like to see a year worth of history, etc. If they don't approve the card and you don't have any other Chase cards, I would just let your cards age a bit and try again next year.

By then the impact of the inquiry should be gone from your score, your AAoA should be over a year, and it will address their original concern. Smiley Happy
Message 2 of 10
Cyberbo60
Valued Member

Re: I have a question regarding Chase Disney

Thank you much!!

Message 3 of 10
Anonymous
Not applicable

Re: I have a question regarding Chase Disney

Chase is weird. i got the chase disney and amazon card when i had 15 inquiries on experian. My first co branded cards with chase. Sorry to hear that i love my disney card. Hope you get it in the future!!!

Message 4 of 10
fltireguy
Valued Contributor

Re: I have a question regarding Chase Disney

Creditcollector- I agree. They are weird. I’ve gotten approvals with a ton of inq and new accts.

But, I have been a banking customer for 5 + years
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 5 of 10
Anonymous
Not applicable

Re: I have a question regarding Chase Disney

As far as I know, Chase cares a lot about the one year credit history mark --- It's very hard to get a card from them without that. They don't really care about HPs though.
Message 6 of 10
Cyberbo60
Valued Member

Re: I have a question regarding Chase Disney

Would it help if I called the recon line again since it’s within the 30 days. I looked over my inquiries and I authorized 3 and the others were done by other lending institutions after I inquired about a car loan. Also if I call will they do a HP again?
Message 7 of 10
Cyberbo60
Valued Member

Re: I have a question regarding Chase Disney

Here are my data points
Key bank 5k. 6/17
Unify CU 5K 9/17
Barclays Choice Hotels 1.5K 8/17
CITI Best Buy Visa 3K 12/17

TU 725
Equifax 672
My Fico score 716
6 inquires on both 3 authorized 3 without my knowledge
Message 8 of 10
Anonymous
Not applicable

Re: I have a question regarding Chase Disney

How do you have a 744 FICO with less than a year old credit file???
Message 9 of 10
Cyberbo60
Valued Member

Re: I have a question regarding Chase Disney

I have owned a home since 1992 I just haven’t had the desire for credit cards. My first card is a year old. My home is almost paid off

Message 10 of 10
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