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 . . . .

 

[eticketplease]

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 . . . .

I assume you are referring to the $2K for Vacation Package/Cruise/Folio get $200 in Disney Dollars which provides 13% off if stopping at $2K and doing PYB.

If this is for a cruise the folio charges won't work there so you can use your gift cards to pay for merch or other add-ons.

If your package is greater than $2,540 then charge $540 to the Disney card that has the $525 Disney Dollars. You would earn $10.80 more if you had a premier at statement close bringing your total to $535.80 or with the no AF $5.40 bringing your total to $530.40 at statement close.
After Statement has closed use PYB to wipe out the rewards dollars there.
Then put the other $2K on the inspire and then at statement end you should receive the $200 Disney Dollars + $60 or more on the 3% that you can then wipe off with PYB.

You can then use the gift cards for other spend or hold for another trip.

 

[bnf0522]

I know it's early for the card's history and there may not be an answer for this, but could I just charge a $200 payment on my Disney World tickets to the card and get the $100 credit? We have a bounce-back package booked and we have quite a bit of discounted gift cards to pay towards the package so we wouldn't qualify for the $2000 spending. But I'm thinking if I can split my package into room and tickets, I could pay for the tickets with the $200 Disney Inspire charge plus my gift cards and get the $100 credit.

Just a thought to try and maximize the rewards...curious as to what others think! Thanks in advance