I have the basic Disney Visa which I downgraded from the Premier several years ago. I earned a SUB way back when I originally applied for the Premier. I applied for the Inspire despite being 6/24. I forgot to lift my credit freeze so it was put under review and had to call after lifting the freeze. Application was approved. Gift card email arrived before the call even ended. Card is in Apple Wallet. I do have a long history with Chase, so YMMV, but here is another DP that 5/24 and worse is not an automatic denial.