@jamesdwi wrote:
@Anonymous wrote:What do they usually determine their decisions off of? obviously credit score, but do they look at history etc as well? I just want to know and better prepare myself because after im done in the garden i plan on taking a nice shower and applying for the Chase Disney and suprising my girl and her little baby girl with a 2015 Disney Cruise!!!
any info would be appreciated!!
unless you are talking about the "Disney Premier Visa® Card" with an AF of $49, their isn't much of a reason to get disney card unless you dream of a card with a mouse on it in your wallet
. Your CS card has better rewards and will earn the trip faster. The Premier version with the AF is slightly more interesting but isn't all that great might be better to garden a bit and PC your CS to CSP if possible not familiar with the process and will probably require a HP since your CL isn't over $5k on the CS card.
I disagree. I just got the Disney Visa card, the no AF version. If you are a Disney fan and plan to go on cruises or to DL or WDW often, then it is a worthwhile card to get. Of course you can get all of the same perks with the Chase Disney Debit card. Like private character meet & greet, shoping and dinning discounts as well as discounts to ticket event and park tours. However I got a $50 Disney gift card (using on my dec trip) and for cruises you get usually a $50 cruise credit. You get 6 months 0% free financing on using your card to book cruises and WDW vacations which you would not get with the debit card.
True, there are other cards out there that offer better rewards for sure. But I wanted "in" with Chase. I knew from reading here on the forum that first cards tend to have low limits and I didn't want or need a big limit for my Disney Chase card, so I got $2K but that will set a good history for cards I want in the future with them CSP and Freedom and I will get higher CL most likely. Also, the $2k helps my utilization overall. Lastly, the Chase Disney card is 15.24 APR so if you want a card and are getting stuck with the 22.99% then this card is a lower APR option (not that I suggest carrying a balance on them beyond the 0% financing but things do happen).
Those are my reasons. I love having Mickey in my wallet! Best luck to you whatever you decide!
BTW, I would not recommend apping unless your scores are at least in the 680's and you have 1 year of CC history reporting.
