Disney Visa questions for anyone who has applied

[StuckInKS]

We want to get a Disney Visa ASAP. We have been working on getting our credit high enough and it may be there, but not sure since many companies have raised their standards in the last year. I hate have inquiries on my report (0 in the last two years as of now) and now that some companies won't let you apply for so many months after your first rejected application.

So, please help me out if you fell comforable answering these questions. These are for those who have been accepted and those who have been denied.

1. When did you apply?
2. Was your application accepted?
3. What company did they use (Experian, Equifax or TransUnion?)
4. What was your FICO score with that company at the time. If you don't know for sure, please post your best estimate OR a non-FICO score that you know you had at the time.
5. If they pulled Experian and it was after Feb 2009, do you know if they still went with the FICO or if they pulled your PLUS or Vantage score instead?

Thanks to anyone who answers. These answers will really help us know if we are ready or if we should wait it out a little while longer.

 

[Golf4food]

Why do you want one so badly? There are better rewards cards out there. About the only good thing about the Disney Visa is the interest free financing on Disney vacation packages, but that is only for six months. 1% is not great when you can get 2%-5% from other cards in cash (that you can then use at WDW just like Disney dollars only you aren't stuck using them only at WDW...)

 

[Feralpeg]

I have been a Disney Visa member since Day 1. I just closed my account. They raised the interest rate on my account. I have never had a late payment or an over credit amount. I don't carry a balance on the card. They just raised interest rates because they can. I felt it was a really nasty way to treat their customers. Now, is not the time for banks to be sticking it to people who are down on their luck. I choose not to support this type of practice.

OP, good luck with your application.

 

[HsvTeacher]

I would be wary of opening a Chase account. My DH and I just closed two accounts, because they were going to raise our rates. We have excellent credit, have never been late with a payment, and have never been anywhere near the limit. Their excuse for raising the rate: They needed to maintain profitability on the account.

I have also heard that Chase has been lowering credit limits recently. From what I gather, they are lowering the limits below the credit card balances, so the cardholders have over the limit fees. Seems very shady to me.