New Disney Visa "Inspire" card

[Flash_Sloth]

Updating my prior post. I forgot I froze my Transunion credit report after one of those data leaks, and therefore forgot to lift it before I applied. Oops. Once I lifted it and called Chase, everything got squared away pretty quickly.

If you’re in rush to get that card, don’t be me, kids

I recommend always keeping your credit frozen and then doing a temporary thaw when you know you're applying for credit somewhere. It looks like Chase pulled my credit from Experian when I applied for the Inspire.

 

[Zubon]

I recommend always keeping your credit frozen and then doing a temporary thaw when you know you're applying for credit somewhere. It looks like Chase pulled my credit from Experian when I applied for the Inspire.

Same. Experian is also the most annoying to unfreeze. The other two have obvious and helpful buttons. To find the button on the Experian website, I had to scroll past several screens of offers. They really want your money. For all three agencies, you can easily unfreeze for a set time; I set it for a week, but the credit check happened almost immediately after submitting the application.

 

[Dawn Albert]

Slightly off topic, but what is the strategy for maximizing the inspire card benefits with existing Disney gift cards? E.g. I have $800 in cards from Sams club and $525 in Disney rewards from my other Disney visa. Thought I would pay myself back with that, but then do I spend $2000 to get the $200 and just save the $800 for a future trip?

I may be overthinking this . . . .