== Disney VISA ==Requirments??

Discussion in 'Credit Talk' started by exotic, Mar 31, 2003.

  1. exotic

    exotic Well-Known Member

    Does anyone know what are Bank One, credit requirments for obtaining their Disney Visa? What's the minimun credit score? did you have baddies when you applied and was approved? what baddies? what CRA did they pull? what state do you live in??


    Thanks Everyone! =)
     
  2. georgiaboy

    georgiaboy Well-Known Member

    Before completing the application, you should be able to answer "Yes" to the following statements by checking the boxes:
    Yes, My credit history is clear of bankruptcy.
    Yes, My credit history is clear of seriously delinquent accounts.
    Yes, I have NOT been denied credit by Bank One within the last 6 months.


    Annual Percentage Rate (APR) for purchases (including balance transfers)

    A 0% fixed APR for the first 6 billing cycles following the opening of your account.

    After that, 11.15% variable,â? 13.15% variable or 15.15% variable, depending on our review of your application and credit history.

    For each qualifying Disney vacation package purchase,¤ provided your account is not past due on the purchase date: 0% for the first six billing cycles following the purchase date (promotional period).

    Other APRs

    Cash Advance APR: 18.99% variable

    Late Payment APR: Late once during introductory period: Depending on our review of your application and credit history, 11.15% variable, 13.15% variable or 15.15% variable on purchases. Late twice in any six-month period: 19.99% fixed on all balances. Late once during any promotional period: 11.15% variable, 13.15% variable, 15.15% variable, or 19.99% fixed depending on the number of late payments prior to the promotional period.

    Overdraft Protection APR: 13.99% fixed (not available in some states)

    Variable rate information

    The APR for purchases after the introductory period and the APR for cash advances may vary. They equal the Prime Rate* plus, as applicable, 6.90%, 8.90% or 10.90% for purchases if your payment is late during the introductory period, or after the introductory period; and plus 14.74% for cash advances.

    Grace period for repayment of purchase balances

    At least 20 days, but none for balance transfers, convenience checks, or overdraft advances, if applicable.

    Method of computing the balance for purchases

    Two-cycle average daily balance method (including new purchases).

    Annual fee

    None

    Minimum finance charge

    $1.00

    Transaction fee for certain purchases

    Purchase of wire transfers or money orders; purchase of foreign currency and travelers checks from other than a bank; and use of convenience checks: 3% of the amount of each purchase or check, but not less than $5.00 nor more than $50.00.

    Transaction fee for balance transfers

    3% of the amount of each balance transfer, but not less than $5.00 nor more than $50.00.

    Transaction fees for cash advances

    All cash advances: 3% of the amount of the advance, but not less than $5.00.

    Other fees

    Late Payment fee: $14.00 on balances up to $150, $28.00 on balances of $150 up to $1200, and $34.00 on balances of $1200 and over. However, if you already have made one or more late payments in the prior 12 month period, $34.00 regardless of the amount of your balance.

    Over-the-Credit-Limit fee: $27.00



    â? Your APR for purchases and balance transfers after the introductory period will be based on our review of your application and credit history. You understand that the terms of your Account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement.

    *The "Prime Rate" is the highest prime rate published in the Money Rates column of The Wall Street Journal on the 22nd day of each month if a business day; if not, on the next business day. Variable APRs are based on the 4.25% prime rate on 3/11/2003 .

    ¤Certain restrictions and exclusions apply. You will receive complete terms and conditions once you become a cardmember.

    Authorization: When you submit your certificate or application for this credit card offer from Bank One, Delaware, N.A. ("Bank One", "we" or "us"), you agree to the following:

    You authorize us to obtain credit bureau reports in connection with your request for an account. If an account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or collection of your account. If you ask, we will tell you the name and address of each credit bureau from which we obtained a report about you.
    If an account is opened, you will receive a Cardmember Agreement and Terms and Conditions of the Disney RewardsSM Program with your card(s). By using the account or any card, or authorizing their use, you agree to the terms of the Cardmember Agreement and Terms and Conditions of the Disney RewardsSM Program.
    We will allocate payments to the lowest APR first.
    Claims and disputes are subject to arbitration.
    The terms of your account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement.

    We will review your credit history and income to determine if you qualify for an account and, if so, your APRs and credit line. Based on this review, in certain other circumstances, you may receive a credit line of at least $500.

    The minimum gross annual income required for an account is $14,400.

    Platinum services are available only to Platinum cardmembers. We reserve the right to change the benefit features associated with your card at any time.

    Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all customers, and that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

    Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of the adverse obligation. All obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse. Married Wisconsin residents must furnish their (the applicant's) name and social security number as well as the name and address of their spouse to Cardmember Service at P.0.Box 15281, Wilmington, DE 19885-5281.

    Balance Transfer Option: The Visa,® MasterCard,® Discover,® American Express® account(s) you list will show a credit, reducing the amount you owe them by the amount you transferred. The available credit on your new account will be reduced, just as if you had made a purchase. The balance transfer amount(s) will show up on your initial statement for your new account. Your other credit card account(s) will not be closed even if you transfer your entire balance(s). If you want to close an account, please contact the other credit card company directly. It may take up to three weeks to set up your account and post the balance transfers. Therefore, you may need to make payments to your other account(s) to keep them current. Balance transfers are contingent upon issuance of your new account. There will be a transaction fee for each balance transfer if one is disclosed in the Rate, Fee and Other Cost Information that accompany this offer. We reserve the right to decline to process any partial or full balance transfer request and will not process a balance transfer request from any other account with us or any of our affiliates.

    Affiliate Information Sharing: Bank One, Delaware, N.A. is part of Bank One Corporation. We and our Bank One Corporation affiliates may share information about you among affiliates in order to offer products and services of interest to you. If you would prefer that we do not share information from your application, credit bureaus or third parties, please call us at 1-800-869-9638. For more information about our information handling policies, visit us on the web at: http://www.bankone.com/creditcardprivacypolicy.

    Omission of any information requested on the application may be reason for denial of an account. This offer is available only to applicants who reside in the United States of America. The information about the costs of the card described in this Application is accurate as of 3/11/2003 . This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.0.Box 8865, Wilmington, DE 19850-8865.
     
  3. GEORGE

    GEORGE Well-Known Member

    NO GEORGE NEED APPLY~~THEIR LOSS
     
  4. willgator

    willgator Well-Known Member

    Hello, i'm in fla they pulled eqy score was 714 no baddies and 2 hards last 2 years. approved 9500 . btd 8000.
     
  5. azur24

    azur24 Well-Known Member

    Anyone know who they pull in TX. If you do know, what part of TX are you in?

    Thanks!!!
     
  6. rackt3

    rackt3 Well-Known Member

    Well bankone pulled EFX for me in MN. I think pull EFx in a lot of places
     
  7. Geo

    Geo Well-Known Member

    In TX Experian. In FL Equ
     
  8. Ron

    Ron Well-Known Member

    exotic,

    You cannot have too many inquiries within last six months and you cannot have excessive balances on your credit card account. By the way, they don't offer instant credit approval on this card. I got approved last week and I still didn't get my card today.


    Ron.
     

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