Trying to get a chase Disney card

Credit

The details,

Credit score in high 700's

I have a chapter 7 coming off September 2018 (Medical Reasons)

Bank Visa credit card since Feb 2014 (3900 limit use mainly for work, pay off every month)

Newegg Card for 2 years, Zero Balance don't use (3000 limit)

Slumberland Credit line, zero balance for a long time (7000 limit? Not 100% only used once 5 years back)

Wells Fargo Home Improvement credit , zero balance. (10,000 limit? Only used once 3 years back)

Bought a new Honda van in November for wife. 33k van that we financed + 30k in wheelchair accessibility conversion (Paid by State)

Have enough in the bank to cover 4 months of salary.

 

I inherited some money recently and paid off mortgage (Was in chapter 7 so not on credit report anyway), and my car. The rest boosted my savings quite a bit.

 

Biggest reason for the Disney card. I booked and paid for a Disney vacation from my checking account, since bank card refused to up my limit to support it.

 

Now to the story,

Disney announces their dining plan will be free from Aug 21st to November some time. You quality based on your arrival date. Mine happens to be the 19th.

 

Disney Visa Card holders can move that date to the 13th of August for the meal plan. (This could save me $1600 easy.)

 

I applied for the card last night, called a credit analyst today since i know the Chapter 7 would outright decline it.

 

After answering questions and reviewing she said denied due to Chapter 7 and not enough Re-establishment.

 

Is it worth to try calling reconn a few more times or just save my breath?

 

Also what more can I do to rebuild my credit? More credit cards, more secure loans? We have talked about an equity loan for some home improvements, but we want to move in 5 years when our son is out of High School.

 

Also talked about trading in my car for a newer vehicle now that its paid off and still reasonable on mileage.

Posted Apr 26, 2017, 5:23 PM UTC · edited

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