New Disney Visa "Inspire" card

[gottalovepluto]

This rollout period will be the easiest time ever to get approved as they 'prove' that the card is a winner. I'm surprised @cruisehopeful didn't get approved with 5/24 waived.

Is 5/24 being waived? Someone on DoC claimed they go it at 6/24 but they haven't responded to requests for details so it could easily be a case of another person not understanding how to track it.

 

[Judique]

Since I was just rejected for 5/24, I'm considering just upgrading my Premier. Is that a work around for the 5/24?

Would that give me all the benefits of the Inspire except for the sign up bonus? A sign up bonus is wonderful, but I'm pretty sure I'll be ahead of the game with Inspire within a couple months.

You can upgrade and then downgrade after a year and a bit, then apply for the bonus, assuming you're under the 5/24 at that time.

 

[Lorana]

Has anyone else not received their $300 gift card? I was approved yesterday afternoon, and still haven’t received the email (I checked my junk folder). I sent a secure message to Chase, but wondering if anyone else is in the same boat.

As a side note, I was fairly shocked about how good this card is…. Well, if you’re a crazy Disney fanatic!

I have not.

I called them earlier, and they told me it can take 24-48 hours to receive the e-gift card, and that my account showed it had not been sent yet. She told me to wait another day (as I applied on 2/3) and call back again if I don't receive it by EOD tomorrow.

 

[Lorana]

Folks, you're all getting bogged down in the boring "details." More importantly: what design will you choose?!

View attachment 1044612
I was ready to go with Mickey doing the pose, but I currently have the Disneyland 70 design... so I'm thinking Stitch! But what about Coco? Lol

I currently have Maleficent on my Premier Card. (I used to have Tinkerbell, but switched to the 100 Anniversary and didn't realize I couldn't go back to Tinkerbell. So Maleficent it now is. She is the best villain, after all. ;-) )

We went with Stich for the Inspire.

 

[Duckbug.Ducktales]

I'm boring and I've had the same Sleeping Beauty castle one for all my cards. So I'm doing it for this one as well.

I agree, but we can still be friends!

 

[Duckbug.Ducktales]

So Maleficent it now is. She is the best villain, after all. ;-) )

Totally agree!

I think since we're going to DL in June for the 70th (I went last year but DH didn't get to see the special entertainment), I'll choose that design for now and switch it later after that trip

 

[Judique]

I thought that was the nicest looking one until someone pointed out it looks like his hand is coming out of his head and I just cannot unsee it!

I just won't look at that whenever I get it.

 

[Judique]

Is 5/24 being waived? Someone on DoC claimed they go it at 6/24 but they haven't responded to requests for details so it could easily be a case of another person not understanding how to track it.

Not that I've heard and it's been awhile since I had 'many' Chase apps, but I did get it waived by calling back in 2018ish. Took me so long to climb down out of that tree as I had Amex going also, I've been on a self-imposed break ever since. That was the year I retired and spent too much time apping for stuff.

 

[MyDogTink]

Are any of you bothered (like I am) about hard credit checks for new cards dinging your credit score? And, could the GC trigger a 1099?

 

[pinkxray]

I applied this morning and was approved instantly. Got the gift card within minutes.

I went with the up design. Have the castle on my no fee Disney card.

I don’t typically like annual fee cards, but will see if the benefits outweigh the fee after the first year. The only card I have with annual fee is the chase sapphire preferred and that always seems to break even for me. I’m thinking the Inspire might end up beginning a keeper with all the credits, as I do spend a ridiculous amount on Disney trips.

 

[Judique]

Are any of you bothered (like I am) about hard credit checks for new cards dinging your credit score? And, could the GC trigger a 1099?

No. In the long run apping for and having loads of credit cards has improved my score over time. I used to hover over 800 and now I hover quite a bit over that. Making payments counts. Never miss a payment. Use the cards and don't ever carry a balance unless it is 0%.

And, canceling cards - don't cancel unless you've kept the card at the very least for a year.

Take a look at how your credit score is reached and it will give you a better idea of the mechanics.

The 1099 - I'm not sure what the rules are right now and whether a gift card moves the needle. In the past, referral bonuses that reached $600 (cumulatively) used to trigger a 1099 but I believe that has changed. I haven't heard of sign up bonuses triggering a 1099.

If you are getting ready to buy a house (or are already in that process) or something huge where your credit history goes under a microscope it's wise not to be apping for a card and just to wait until you get through your process.