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Makdyn
05-21-2007, 11:46 AM
I keep thinking I have am going to have more points them I am get. I know that for every $100 you get one $1. Please tell me how many point will I have with $5700. :confused3

Neelloc
05-21-2007, 11:48 AM
$57.00 worth.

Makdyn
05-21-2007, 11:52 AM
Ok thanks that is what I came up. I see we will be in Disney at the same time.

Neelloc
05-21-2007, 11:54 AM
Oh my gosh....you're right! :cool1: Usually we stay at POFQ, but we're trying POP this time. :) I am going to miss POR/POFQ!!!!

scrapperjill
05-21-2007, 12:26 PM
Anyone know how long it takes to redeem your disney points? And what exactly can you use them on? We're planning a trip in Sept and so far I have about $40...but I still need to finish paying off my trip with the Visa..so it'll jump even more. I'm just wondering how long before the trip do I need to make sure I have the purchases I want to make with the card made and the points cashed out.

:hippie:

grimgrningghost
05-21-2007, 12:38 PM
It can take them a while to mail you your card so the first time you redeem your points so if you think you are going to cut it too close guest relations in downtown disney has the rewards cards there you can pick up and then call to transfer your points.

scrapperjill
05-22-2007, 01:29 AM
I've never redemed any points BUT I did recieve a rewards card after my first purchase made with the card. Will that card work to get the points transfered to? And if so how does that work?

aka-mad4themouse
05-22-2007, 06:10 AM
If you already have a rewards card and it hasn't expired, then you can use the cardmember website or your phone (see back of card for number) to transfer the points to the card. The point transfer is almost immediate.

disneynutt1225
05-22-2007, 06:50 AM
I've never redemed any points BUT I did recieve a rewards card after my first purchase made with the card. Will that card work to get the points transfered to? And if so how does that work?

Was it a rewards card or a $25 gift card? The $25 gift card (or $50 depending on the promo you signed up with) is automatically sent after your first purchase. That is different than the Disney Dream Rewards Card. You typically have to request that card, and you have to have a minimum of 20 points to transfer to it in order to get the card.

scrapperjill
05-22-2007, 01:06 PM
Ohhhh...I just looked and it's a $50 GIFT card:confused: I guess I better get working on requesting my FIRST rewards card....If the points are almost instantly transfered I can always just get my card with the points I have now then transfer additional points that I earn from now until then shortly before we go.

Thanks for the information :thumbsup2

wen774
05-22-2007, 02:09 PM
Any idea how they ship the rewards cards? I ordered mine about 2 weeks ago and I got a missed package notice from Fed Ex today...is that my rewards card?

disneynutt1225
05-22-2007, 06:14 PM
Any idea how they ship the rewards cards? I ordered mine about 2 weeks ago and I got a missed package notice from Fed Ex today...is that my rewards card?

Mine were sent via regular mail. In a business envelope.

AliciaS
05-22-2007, 08:41 PM
Notice that you only get the points when your statement closes. So, I made sure I paid off our trip before the end of the month we were going. That way I got a nice extra boost in rewards dollars. We were there when our next statement ended so I called and had the latest month's rewards dollars shifted over as well. It will be a few years before we go again so I wanted every dollar possible to go toward this trip.

Pixiedust34
05-23-2007, 05:35 AM
I ordered my rewards card a couple of days ago. She said that it would come around May 30th, but if I wanted it sooner than that I had the option of paying $10 for express shipping. Our trip isn't until August, so I'm in no hurry to get the card.

MyZoeJane
05-23-2007, 07:25 AM
Ohhhh...I just looked and it's a $50 GIFT card:confused: I guess I better get working on requesting my FIRST rewards card....If the points are almost instantly transfered I can always just get my card with the points I have now then transfer additional points that I earn from now until then shortly before we go.

Thanks for the information :thumbsup2

You cannot even requst a card until you have at least $10 worth of points accrued. That means you have to charge $1000 first.

Not that you asked, but IMHO the Disney Visa sucks and I just closed my account after they raised my interest rate to 24.9% for NO REASON!!! Watchout... they will do that and all they will do is send you a little flyer notifying you of it. They did it to my friend, too. And talk about HORRIBLE customer service! There are so many other MUCH better deals out there. I will miss booking free dining first but I'll live. My point, be careful of those interest rates!

tiffanym5375
05-23-2007, 11:43 AM
You cannot even requst a card until you have at least $10 worth of points accrued. That means you have to charge $1000 first.

Not that you asked, but IMHO the Disney Visa sucks and I just closed my account after they raised my interest rate to 24.9% for NO REASON!!! Watchout... they will do that and all they will do is send you a little flyer notifying you of it. They did it to my friend, too. And talk about HORRIBLE customer service! There are so many other MUCH better deals out there. I will miss booking free dining first but I'll live. My point, be careful of those interest rates!

It's not just the Disney visa that will do this. I do not have one.. but this has been done to us with chase and discover. They are not supposed to be able to do this unless you are out of your promoting period. Or if you default in the promo period. DH and I have great beacon/credit scores in the 700's with no missed payments, ect. Your right though it will come on a small flyer that shows terms have been changed it may or may not come in the statement envelope. I would never close the account with a balance on the card. This will affect your score. I have just switched it to a better account, then left it opened. This way my overall credit usage and credit line looks to be better. You will start to get better offers from the cards you ignore (the ones that jumps your rate up).. at least we have. :)

DiznEeyore
05-23-2007, 11:44 AM
Not that you asked, but IMHO the Disney Visa sucks and I just closed my account after they raised my interest rate to 24.9% for NO REASON!!! Watchout... they will do that and all they will do is send you a little flyer notifying you of it. They did it to my friend, too. And talk about HORRIBLE customer service! There are so many other MUCH better deals out there. I will miss booking free dining first but I'll live. My point, be careful of those interest rates!

But if you don't carry a balance, you don't have to worry about the interest rate, and the rewards are really nice to have. ;)

nowellsl
05-23-2007, 02:19 PM
It's not just the Disney visa that will do this. I do not have one.. but this has been done to us with chase and discover. They are not supposed to be able to do this unless you are out of your promoting period. Or if you default in the promo period. DH and I have great beacon/credit scores in the 700's with no missed payments, ect. Your right though it will come on a small flyer that shows terms have been changed it may or may not come in the statement envelope. I would never close the account with a balance on the card. This will affect your score. I have just switched it to a better account, then left it opened. This way my overall credit usage and credit line looks to be better. You will start to get better offers from the cards you ignore (the ones that jumps your rate up).. at least we have. :)

They can change it for any reason at anytime - you can bet it's in the fine print. I don't carry a balance, but Chase typically has higher interest anyway. At least mine does. Most rewards cards have higher interest rates than non-rewards so they can pay for all those rewards.

snowy76
05-23-2007, 02:28 PM
Chase recently lowered our interest rate to just under 12% - I just called and asked, told them I was thinking of closing the account. Credit card companies hate that - they'll usually lower the rate if you ask, rather than lose your business.

They also threw in 10 rewards dollars as an extra incentive :banana:

skjuls
05-23-2007, 02:52 PM
. Most rewards cards have higher interest rates than non-rewards so they can pay for all those rewards.


Yep, this is true!!! However, my AMEX Blue has a low interest and we get rewards as well, I think it has to do something with their fees to charge merchants.

Most of my other low fee cards have no rewards attached to them!

tiffanym5375
05-23-2007, 04:41 PM
They can change it for any reason at anytime - you can bet it's in the fine print. I don't carry a balance, but Chase typically has higher interest anyway. At least mine does. Most rewards cards have higher interest rates than non-rewards so they can pay for all those rewards.

I can not speak for my others cards but for our discover they can not change it as long as we do not defalt under the promo offers that we accept. We were on a 0% with them.. but we now have 5.99 (balnce transfer rate) promo until sometime in 2011. They did however just increased out apr rate.. but not the promo where we have 5.99 ( for the balance transfer). If we default they will take our rate to the new apr rate that they just changed our account too. I worked for a law firm before working at home after having my son.. I read ALL FINE PRINT . ;)

We have 2 chase accounts. Both came off the 0% rate and went to 7.99 fixed. Then they changed our rate. The 7.99 rate was not a promo. So we paid one balance off and switched the other one to a 0% rate. I know everycard is different.

tiffanym5375
05-23-2007, 04:42 PM
Yep, this is true!!! However, my AMEX Blue has a low interest and we get rewards as well, I think it has to do something with their fees to charge merchants.

Most of my other low fee cards have no rewards attached to them!

Our blue is another great accont that we have. We too have a low apr. :)

gasperdam
05-23-2007, 07:52 PM
Chase recently lowered our interest rate to just under 12% - I just called and asked, told them I was thinking of closing the account. Credit card companies hate that - they'll usually lower the rate if you ask, rather than lose your business.

They also threw in 10 rewards dollars as an extra incentive


WOW- you must have gotten a super nice rep when you called because
I just did the same thing and they said all they could do was 22.9% down
from 24.9% so I transferred the $ to a lower interest card.

Mrsgrumpy2000
05-24-2007, 05:50 AM
Any idea how they ship the rewards cards? I ordered mine about 2 weeks ago and I got a missed package notice from Fed Ex today...is that my rewards card?
My card was delivered yesterday via Fed-ex.

scrapperjill
05-24-2007, 08:11 PM
I think it's actually $20 in rewards before you can "request" your card. I already banked $55 in rewards :cool1: So I requested a card for $50...I figure after I finish paying off our trip with the card then I'll just transfer more points to the card before we go.

Great tip on making sure to pay off things to get the points transfered before the trip:thumbsup2 I don't know if I would have thought of that.

And...I agree as long as you DON'T carry a balance the % really isn't an issue. We've managed to rack up the $50 in points and pay it all off as we go. :cool1:

scrapperjill
06-03-2007, 12:03 AM
Hey...I just wanted to say I got my Rewards card a few days ago :goodvibes I was super suprised it came soooo fast. I think it was way less than 2 weeks. :cool1:

Oh...and mine came regular mail...no Fed-X here.