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View Full Version : Disney Visa Rewards 750 limit!!


travlnman1
08-22-2005, 11:23 AM
I'm just mad.
I didn't know that the Disney Visa had a cap on the amount of Disney Dream Reward Dollars you can earn in a year. You can't earn more than 750 in a year.
That stinks.

christinou
08-22-2005, 11:35 AM
When you think that you generally only get 1% back, at least I do, that would be spending $75,000 on your credit card in a year. I am sad and happy to say that I am NOWHERE close to that number.....

LorieR
08-22-2005, 11:54 AM
Christine, count me in on that!! Wish I HAD $75,000 to spend!!

I have Citibank, which gives 5% back on supermarket, gas station, and drugstore purchases and 1% on everything else and that has a $300 annual limit. I wish THEY had a $750 limit! :goodvibes

Lorie

DisneyForLife
08-22-2005, 12:55 PM
"Unfortunately", I didn't find it hard at all to make it to just over 700.00 last year on my Disney Visa. It does add up when your talking college tuition for two, used cars for two, some renovations around the home and whatever other expenses I could find to put on the card. Of course we paid it all in full each month or it would not have been worth it. Right now I have just over 300.00 which is great. I don't think I will get to the 750.00 this year.
I love having this extra money while at Disney. :earboy2:

SharkBait05
08-22-2005, 12:59 PM
I don't think I could get up to $750 rewards dollars, but I can see how it's done. Especially if you have business expenses, large family, college students, etc.

ducklite
08-22-2005, 01:11 PM
I ran $105,000+ through that card last year, it was very easy when building, decorating, and furnishing a new home. Thank goodness it won't be near that this year, although we just bought a new car and I paid for half of it on the Visa (I would have done the whole thing but that's all the dealer would go for...buggers LOL!) and then paid the bill the next day online.

We put everything possible on the card, gas, groceries, cell phone bills, utilities, anyone that will charge the card, we hand it over. Works out nice when we want to splurge on dinner!

I am getting rid of the card before the year is out though, as I refuse to do business with Chase.

Anne

etwinchester
08-22-2005, 02:10 PM
I had to cancel my account as well. They decided to change my rate to 24.99% (effective in October) due to my debt/income ratio. If I closed it, it would stay at my current rate till paid off.

HELLO, I was a SAHM when I applied and was accepted. If anything, my debt went down since I haven't charged anything for a year and my income went up a little since I started Mary Kay and a 2-day PT job. I've never been late on a card since I was 18 and had 3 paychecks bounced (which was over 10 years ago).

I could totally understand if I had a delinquent account, but I'm in TOTALLY GOOD standing with all my CC and that's what they should base my rate on.

I'm just so mad that I could scream!!! Thanks Chase...had to give up my Mickey card (boo-hoo)

ducklite
08-22-2005, 02:13 PM
I had to cancel my account as well. They decided to change my rate to 24.99% (effective in October) due to my debt/income ratio. If I closed it, it would stay at my current rate till paid off.

If you pay the card off every month, it doesn't matter what your interest rate is though. Food for thought...

Anne

etwinchester
08-22-2005, 02:20 PM
That's the problem. I do have a balance due to past mistakes. That's why for the past year I haven't charged anything. I'm doing the snowball effect to get them all paid off and it was giving me piece of mind. Learning from past mistakes...

This put a damper on things as it just ticked me off. I was hoping to get it paid off, then use it for rewards and pay it all off each month. Now I can't accomplish what I was working so hard at getting to. Like sticking a knife into my plans.

MKCP5
08-22-2005, 02:27 PM
If anyone has another card they are especially hapy with please let me know rreply to the current thread regarding this. (Best crdit card rewards--in the budget section) I am currently shopping to find the best one I can charge evrything on and then pay off in full each month. I want to maximize vacation time with whatever rewards system works best! TIA!

docsnort
08-22-2005, 02:30 PM
We use our Disney card for our business charges so we got a second card in my DWs name to get around the $750 limit. We have to monitor the award balance on each card closely so we don't go over on one of them.

I am getting rid of the card before the year is out though, as I refuse to do business with Chase.

Anne
Anne, can you expand on this a little more. We haven't had any problems with Chase since the switchover from Bankone. Have you had problems with Chase?

InstImpres
08-22-2005, 02:40 PM
I like CapitalOne, every 18K you get a free airline ticket within your zone (up to $360 flight cost). Not sure on the exact zoning but NJ-FL is the 18K zone so it works for me!

freediverdude
08-22-2005, 02:51 PM
Yes I've heard that the capital one airline mile program is very good now. My landlord has that, and he said they've relaxed it now to where you can purchase the plane ticket from any vendor, no longer have to go through their travel agency, etc.

travlnman1
08-22-2005, 02:57 PM
[QUOTE=docsnort]We use our Disney card for our business charges so we got a second card in my DWs name to get around the $750 limit. We have to monitor the award balance on each card closely so we don't go over on one of them.


Yup. Thats what I had to do too.
Got a second card.
I haven't had any issues with the Bank One/Chase changeover.
Knock on Woody.

MKCP5
08-22-2005, 03:10 PM
********** can you tell me a little more? What do you mean within your zone? I have been wondering about this card and how it works. Thanks very much.

PS Is there a limit to how much you can earn?

Magix
08-22-2005, 03:15 PM
To the OP - how could you not know there was a 750 reward cap? It was in the terms and conditions you got with your card... or did you neglect to read that?

travlnman1
08-22-2005, 04:12 PM
I MAY have read that in the original terms and agreements, but that was awhile ago and most likely I didn't think too much about it because I didn't think I would be using it as much as I ended up doing.

Geeze Magix sounds like my scolding father.

ducklite
08-22-2005, 04:14 PM
Anne, can you expand on this a little more. We haven't had any problems with Chase since the switchover from Bankone. Have you had problems with Chase?

In the past I've had two cards with Chase and almost every month had to call to correct charges that weren't mine, billing errors--when you've got a cancelled check showing a $2000.00 payment cleared on the 8th of the month, and they show a $20 payment on the 19th you've got a problem--this type of thing happened more than once... We also had two car loans with Chase, and paid both off three years early just to get rid of them, they even managed to mess up car loans that they were taking the money directly out of our account--one month they took my payment three times in one day. They sent me a gas card as an apology for a station that I didn't even have one within 40 miles of my house. Fagaddaboudit!!!

We also had a money market account with them that we had a problem with, I can't even recall what now.

At any rate, we simply don't want to give them our business.

Anne

BethR
08-22-2005, 04:15 PM
To the OP - how could you not know there was a 750 reward cap? It was in the terms and conditions you got with your card... or did you neglect to read that?


I am sure that the OP is like many of us, eager to get in on a good thing and then failing to read all of the fine print, terms and conditions, etc, etc, etc. I know that it is not a smart thing. But I am sure that a lot of us have done it. ::yes::

rach2674
08-22-2005, 04:29 PM
What can you get for the points. I can't find that anywhere. Is there a link to find that somewhere?

Rachel

BethR
08-22-2005, 04:39 PM
What can you get for the points.


Hi Rach! And Welcome to the DIS! (A little late. :blush: ) The Disney Rewards card gives you Disney "Reward Dollars" which can be used dollar for dollar at any place in Disney, and can be used at the Disney Store, Disney Direct, for Disney movies and music. I am sure that there are other things too. THis is from the web site to sign up for the card: # DISNEY REWARDS
# Earn rewards with your everyday purchases that can be redeemed at Disney hotels, restaurants and theme parks-and to buy Disney DVDs, toys and more.
You get 1% of what you spend up to $750 Reward Dollars per year.

Here is the website: http://creditcard.chase.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=disney_15giftcard_ch 01_6m&page=cont&mkid=6GBJ61&msc=Z0003879

Hope that this helps! :)

docsnort
08-22-2005, 05:21 PM
In the past I've had two cards with Chase and almost every month had to call to correct charges that weren't mine, billing errors--when you've got a cancelled check showing a $2000.00 payment cleared on the 8th of the month, and they show a $20 payment on the 19th you've got a problem--this type of thing happened more than once... We also had two car loans with Chase, and paid both off three years early just to get rid of them, they even managed to mess up car loans that they were taking the money directly out of our account--one month they took my payment three times in one day. They sent me a gas card as an apology for a station that I didn't even have one within 40 miles of my house. Fagaddaboudit!!!

We also had a money market account with them that we had a problem with, I can't even recall what now.

At any rate, we simply don't want to give them our business.

Anne

Wow, thanks for the info. We check our account frequently online, but after reading about your problems we will be even more vigilant from now on. Those reward dollars are a big part of our vacation planning!

PaulaSue
08-22-2005, 05:36 PM
Yep, I found that out a few months ago when I started really planning for our trip. I would never make it up that high anyway but still sad in knowing.

NCRedding
08-22-2005, 05:39 PM
I don't particularly like Chase, but we've has a Chase car loan (paid off), and two credit cards with Chase for at least 5 years, and have never had any problem with getting proper credit or bad transactions.

On the other hand, I hate CitiFinancial and will never do business with them (unless they are bought out by Chase--which will probably happen--they're all just gobbling each other up).

InstImpres
08-22-2005, 06:53 PM
********** can you tell me a little more? What do you mean within your zone? I have been wondering about this card and how it works. Thanks very much.

PS Is there a limit to how much you can earn?

First and best, no limit... :cool1: :cool1: :cool1:

I am in NJ so my "zone" is the east coast - I can go anywhere from Maine to Florida and as far west as Tennesse (according to the nice rep I just called). It is 18000 points aka $18,000 in charges. Must have a Saturday stay and be purchased 21 days in advance. You pay $10 in "tax" and can pay a $25 fee if you don't want a Saturday stay. I always use Travelocity, find the schedule I like best and as long as the ticket is under $370 it's mine. I call and give specifics - USAir, flight #x, on x day and returning, etc. If it's published air it's yours. If it goes slightly over ($390 ticket) you can pay the $20 extra.

I can go anywhere in the US for 25,000 miles with a $500 ticket max. North America is 35,000 and $700 max. Tokyo (for my dream vacation to TokyoSea) is 75,000 points to $1500. Not worth it since I can get air for under $800 and first class is about $1500 but the price can only be for coach :rolleyes: :rolleyes: Sorry, I'm degressing.

It's really a great program and has truly proven to be "no hassles" as the commercials advertise. I was pretty skeptical but have been very successful. (No blackout dates etc.)

I think that's probably more than you asked for but if not ask again
Sandy

CarolA
08-22-2005, 08:49 PM
I got a long list of companies I despise...

MBNA.... Customer service once told me "you gave that merchant your card a year ago, that authorized him to charge whatever he needed to" This was after a $1,000 charge just showed up... I had to READ them the Fair Credit Act. One month they took my payment off and reposted it two days later thereby allowing them to charge a late fee and additonal interest.

Amex... Oh Dear... I wound up writing the Company President who did put one of his little worker bees on the problem. This was after I arranged a conference call with Amex and the merchant who explained that he never put through the charge so he couldn't figure out where it came from and he could not reverse it'.... Amex's response. "We would not make an error, our processing is perfect" SIX MONTHS later the VP's guy admitted they had not a clue and reversed the charge.

So far I have had good luck with Chase so I am sticking with them.

(And as for the local credit unions and such, be sure to ask about fruad protection.. I did and found it to inadequate to my needs)

bearzabout
08-22-2005, 10:11 PM
I also like Capital One. Their Milesone program is the best for reimbursement for airfare. To use our miles, I charge my airfare to the card. I try to get the best price I can (averaging $160 per trip from Michigan to Florida). I redeem points for a credit on the card to pay for the ticket. The conversion is 80 per dollar in trip cost. I would use only 12,800 points for a $160 ticket - a much better conversion than most airline companies.

There is no annual fee (unlike many airline cards). I can book any airline including Spirit with no capacity issues or blackout dates. Drawbacks include a limit of $10,000 per month (a problem if you charge a lot of business expenses) and the points expire in five years.

I use the $750 a year I get from the Disney card as payment toward annual passes every year. Using these two cards with cheap skyauction condo stays means Disney is my favorite BUDGET destination.

MKCP5
08-22-2005, 10:20 PM
Thanks very much **********. I appreciate it. Does anyone have a comment on getting a hotel points card rather than airfare since you can often catch cheap airfare? I am wodering if anyone has experience with this. TIA!

StephMK
08-22-2005, 10:55 PM
We just recently got a Choice Rewards CC based on a poster's good experience here. We've had it since June & I really like it. We applied during the 16,000 free points to join & used 14,000 of them on hotel rooms to/from Chicago. The points add up like most other cards & the reservations were pretty easy to make online. I did find that a few hotels become unavailable close to check in- assuming due to limited # of rooms for the program, but had a good selection for each place I've checked.

We will probably stick w/this one after this DW trip & cancel our Dis card. I like to use our Amex the most since I can always find things to spend the rewards on at Home Depot. The Choice VISA also allows rewards for other things but I haven't checked into it to see what since we can always use hotel stays at some point.

Kira G.
08-23-2005, 08:55 AM
********** - Thanks for the info! I'm very interested in the Capital One card (with 4 kids, airfare is always a biggie!), and I have a few more questions for you.

I went to the Capital One website - the card I found that sounded somewhat like what you were talking about was the "No Hassle Miles" card. However, there were some differences - including a maximum of $75,000 that could be used to earn miles.

Is this the same card as yours? Could you give me more information? It's also possible that they've changed their options.

Thanks in advance! :goodvibes

jekjones1558
08-23-2005, 10:42 AM
We had a Citicard whose rewards maxed out at $300 earlier this year (easy to do when they are giving 5% on gas, groceries). So now I use either Chase Disney or CapitalOne MilesOne (as described above). We have had this card for years and love the ability to book any airfare, anytime, and be reimbursed. And if you use a FF program, you are still accumulating FF miles!

Buzzsgramma
08-23-2005, 10:55 AM
Last year i had $400 on my DDRD and could have had alot more...I also pay in full each month ,what would be the point of getting the free rewards if i had to pay interest....just my 2 cents.....

missypie
08-23-2005, 11:12 AM
To the OP: There has been a $750 per year limit on the Disney rewards since Day 1.

I'm a charter member and when we went to WDW in May, we had $1005 to spend. I already have $160 for my next trip...whenever that may be. (The $ don't start to expire until 6/20/10.) I also got one of the Citibank Mastercards that earn 5% cash back on grocery store and drug store purchases. We are using that card exclusively at CVS and Albertson's, so we'll probably end up just about at the limit each year. We don't ever carry a balance, so I consider all of these perks actual free money.

MKCP5
08-24-2005, 09:56 AM
Kira G
I'm with you! Is the capital one no hassle and the capital one milesone card the same?
Just want to make sure I apply for the right one.

I want
no annual fee
no cap on rewards
5 yr expiry on benefits.

does that sound right for cap one miles one program to those of you who have it?


Thanks for you help!

rach2674
08-24-2005, 10:16 AM
I've had a couple of airline cards and have earned enough for a free ticket, but they are so hard to use, so we cancelled them. I got a Southwest airlines card last year and I really like it. I've earned 2 or 3 tickets from them already. It's $1200 for every point and you need 16 points for a free ticket. You get 4 points for signing up and some for balance transfers, which we didn't do. And with flying a few times with them, it adds up fast. Plus they always have seats available. Only thing is they don't fly everywhere. And of course no international, but great for flying in the US. I wish the Disney card let you earn more! What a bummer!