Disney Visa Card

[SmuffSheltie]

Not really having a credit card I decided to apply for a Disney Visa Card for when I go on my Disney vacation in about two years. I decided that since I wanted to use my KTTW card to pay for almost everything it might just be easier that way.


That is, until I saw that I only have a $400 credit line. Seriously! That isn't even going to cover my rooms! Later on can I ask for a limit increase, or am I "set" for life? I plan on doing some HEAVY shopping at Disney, and that $400 just is not going to cut it!

 

[pfp258]

This is your first credit card of any kind? If so perhaps this why you have such a small limit. Also perhaps your income to debt ratio is high.

 

[SmuffSheltie]

Not my first credit card at all. My discover used to have a much, much higher limit. Could canceling a card I wasn't really using have had an impact on it?

 

[drgnfly30]

Do you have other Chase credit cards? You may have reached a point where they feel you have enough credit extended with them.

 

[SmuffSheltie]

I was in the process of checking out at Disney Store Online (I did a search for Halloween and found the super cute Minnie Mouse witch hat I have been wanting for FOREVER) and it says down at the bottom that the $400 is an initial credit limit. So maybe that means the limit will go up.

 

[greengeen]

You will not be "stuck". You have two years to get the limit up. Just use the card, pay it off every month, and request a limit raise every 6 months. You may not even need to request - they typically raise the limit over time anyway.

 

[drgnfly30]

I was in the process of checking out at Disney Store Online (I did a search for Halloween and found the super cute Minnie Mouse witch hat I have been wanting for FOREVER) and it says down at the bottom that the $400 is an initial credit limit. So maybe that means the limit will go up.

Ok you didn't say that, if you applied during checkout that $400 is what you can use until your card arrives. You can call Chase to find out what your total limit is.

 

[SmuffSheltie]

Ok you didn't say that, if you applied during checkout that $400 is what you can use until your card arrives. You can call Chase to find out what your total limit is.

Sorry. I didn't see it myself until I was in the checkout. If I hadn't decided to buy something I probably wouldn't have even known until I got the card. It was in tiny print towards the bottom of the screen!