What credit score for Disney Visa?
About This Page: This is a discussion on What credit score for Disney Visa? within the Planning Your Adventure: Your Plans for Walt Disney World, part of the PassPorter Community - Boards & Forums on Walt Disney World, Disneyland, Disney Cruise Line, and General Travel; Does anybody know what credit score or credit score range a person would need to get a Disney Rewards visa?...
Welcome! We're happy you've found the PassPorter Community -- the friendliest place to plan your vacation to Walt Disney World, Disney Cruise Line, Disneyland, and the world in general! You are now viewing the PassPorter Message Board Community as a guest, which gives you limited access. As our guest, feel free to browse our messages by selecting the forum you want to visit from the list below.
To post messages and ask questions, join our FREE community today and you'll get access to tools and resources not available to guests, such as our vacation countown timers, "living" avatars, private messaging system, database searches, downloads, and a special PassPorter discount code. Registration is fast, simple, and completely free. Just click the Join Our Community link.
I'd be interested in seeing the answer to this question. I suspect the answer is either "won't tell" or "it depends."
Chase is a weird bank; my husband had a card with them when we got married and it was always a problem for him. I applied for a Disney Visa last year and got turned down for "something" on my credit report. I didn't even bother checking what it might be, since I have a nice, high limit BofA card and have had no trouble getting a car loan. I was only applying because I was solicited to do so many times and it would have been nice to earn points toward our annual trip. But I don't actually need another card, so I won't bother applying again.
I'm not sure either . . . I had a regular Chase Visa for a while but when I applied for the Disney Visa, was turned down. It seems that they are pickier on the Disney Visa than the regular run of the mill Visas they offer.
Well my neighbor got a car loan about 7 or 8 months ago and told me her CS was 670, and also rec'd a Disney Visa at that time, and I know at one point my CS was a 650 and I got declined. I have paid off all my CC now and I just got a car loan and didn't have trouble, but I haven't applied for a Disney Visa in 18 months at least. This is because I was in the process of building/improving my credit since I was fairly young and didn't really have any established. I don't know that I will apply again, for a while simply because the more cards you apply for and the more they run your credit, your score drops a point or two unless it's done during an extremely close period.
Chase is on the tough side (but not as tough as BoA I'd say). Basically the bank is going to pull your credit report from one of the three agencies and it's going to give its own score based on what it finds. In my experience, most of the time, Chase applications require manual reviews.
the credit score is an quasi-arbitrary number and depending on where you get it from, it can vary greatly. in the great traditional sense, credit scores are purchased from FICO and really only apply when applying for a mortgage or car loan.
creditboards.com operates a credit pulls database which is pretty active and contains information from credit card applicants in terms of results and bureau pulled from. it's been a long time but I think Chase favors Equifax but it could depend on your geographical location too, which is why the database is pretty cool.
I have no idea but when Lenny and I married, he had no credit - no laons, no credit cards, nothing. I put his name on a couple of my credit cards and when the Disney Visa first came out, I applied for one in his name first and he was approved - his card even says "charter member" on it. About a year later, I applied for one (with probably 8 or 10 cards in my name at that time) and I was approved also. So who knows what they base their decisions on.
Celebrating Lenny's birthday at Epcot August 2014
Looking for all of my previous reports? Click my TR link.
Credit score was an 804 at the time of application. I think because of that my limit was extremely high. I actually had to call and ask them to give me less credit because I didn't want the liability that a limit in the tens of thousands brought.
I know that Chase will pull a credit report every year or something. A friend of mine had a Disney Visa and was current with her payments, but fell delinquent on a few other things, like a car payment, and Chase canceled her credit card account.
I haven't applied for any new credit in years and my score has stayed the same, varying about 3 points between agencies. So, 801 - 807.