OK OK How do I get a Disney Visa??

[tink2dw]

I know I should have paid attention,but that ship has sailed.
So How do I get a Disney Visa??
Is it hard to qualify for the Disney Visa Credit Card??
What is the best way to get the most rewards,while not Bankrupting ones selve??

 

[Scratch42]

www.disney.com

As for any other details can't tell you 'cause it's only good in the USA!

Scratch

 

[ducklite]

No need to bankrupt oneself! Just don't buy anything that you wouldn't (or couldn't) pay cash for!

I use mine for everyday expenses like groceries and gas, and it really adds up fast

As far as qualifying, I think they go by credit scores, so it depends on your credit rating.

Anne

 

[castleri]

I think you can also go to the bankone.com site to sign up or get an application at your local Disney Store if you have one.

 

[renessa]

If you live in an area with Bank One....each banking center recieves "points" for credit card applications. They would love to take your app., and could fax or send it online to speed up the process (or at least we can in N. IN). Ren

 

[tink2dw]

Are there any hints to be accepted as a Disney Visa cc holder??
Currently we don't have anything but a Debt Visa.
I don't think credit scores are very good. We haven't finance a car,or have other cc., we do have a house we pay mortgage on.

Did Anyone else worry they wouldn't get Disney Visa but did??

 

[ducklite]

If you have a mortgage and make the payments on time, have no "bad" credit, and have sufficient income, there's no reason you won't be accepted for this card.

Good luck!

Anne

 

[disneychrista]

To make the most of the Disney Visa to get the "dream dollars" use your Visa for EVERYTHING!! I use it anywhere I can, for groceries, household products, I pay my cable and cell phone, etc. I have only found a couple of things I couldn't use my Visa for my current Car Insurance (old company I could), Car License Renewal and Car payments. If paying VIA a credit card is possible then do it. Then you deduct these purchases from your checking account balance and pay when the bill comes in the mail. It is great.

 

[Mickey527]

I was refused for a Disney Visa, even though I have a Disney Store Charge card and numerous other charge cards.
My credit is good to excellent, have a mortgage that is paid either early or on time, never late in 18 years.
I have a great job and earn enough to go to WDW 5 to 7 times per year, but Disney, or Bank One, didn't think I was good enough for them.
I only wanted the card for the pins anyhow.
I know a few friends who also have excellent credit and they were turned down.
So I will stick with my American Express and get my points with that. Peggie

 

[tink2dw]

Has anyone that was turned down then reappyed and get approved for the Disney Visa??

 

[disneychrista]

Originally posted by Mickey527
I was refused for a Disney Visa, even though I have a Disney Store Charge card and numerous other charge cards.

Having too many credit cards can be just as bad as not having any credit history

 

[ducklite]

Mickey527--Many things play into credit scores.

Too many inquiries (have you recently applied for another card, refinanced your mortgage, bought a car?)

The amount of balances you re carrying on the cards you already have (they don't like to see more than 50%)

Having too much available credit for your income.

A charge-off that you aren't aware of (perhaps a forgotten doctor bill?)

When you were declined they should ahve sent you something telling you why. Use that information to "fix" whatever the problem is so that if and/or when you really NEED to borrow money for something you'll be able to.

Also, when you are declined for credit, you can get a free copy of your credit report, I strongly suggest you do that to make sure that the info the credit bureaus have on you is accurate.

Good luck!

Anne