That little thing we call 'Disney Visa'

[Emagine]

Tell me more about it please. I read the site so I know the APR and the 6 mth jazz, disney dollars etc. But here is what I need to know. I am wanting to know the real jist of how it works. Here is the thing, I am one of those ppl who hates cc. I mean to the point my only cc is my debit and it has been that way for many moons. If I can not pay for it I can do w/o. Just how I am.

But I was looking at this little plastic baby and its sending me little voices. We are all set for our annual trip this Dec. But already planning next Dec with another family as a Grand Gathering. Its going to be a little more then what we normally do. I want to try to do everything in my power to get some codes, pins or something next year to help us.

When using the Visa, can we book the trip and pay the 200 and still be eligable if there is a Disney Visa discount later in the year? Or does the entire package have to be on that card? I hate debt, I know I could pay it before it hits etc.... but really I just dont want something else on my plate to fool with.

Any tips would be great I have no interest in getting it to run up or use for every purchase etc. We are not shoppers, were home ppl with special need kids and Disney lovers

 

[lizandjason]

We got an offer from Disney Visa for a $200 gift card, good to use at DW on food, merchandise, even to pay for your room or tickets. The only thing we had to do was use the card ONCE, which we did. No catches...and we could get 0% interest for 6 months if we put our Disney reservation on the card (we had already paid it in full, so we didn't do this). We just hope that the gift card is sent before we leave for our trip in late September.

If you don't get this offer, the standard offer is 'Disney Rewards', which works just like reward points for any other credit card. You only get 1% back...so if you put $10,000 on your CC you're only getting $100 to spend at Disney. If you're worried about getting a CC, I would only get the card if you get a great deal like we did. I would call them and ask for this deal.

And...of course...don't carry a balance. The interest charges negate any rewards!

 

[Emagine]

Ok, so how does it work for things like Disney Visa free dining or things like that when I see it mentioned here from time to time?

Otherwise I agree with ya.

 

[rt2dz]

We have the Disney Visa simply to use for Disney trips. Absolutely nothing else. I really wanted it for hopes of discounts. I don't find it a big headache. However, we put everything on credit and just write one check when the bill comes in. No interest. When it comes to Disney, we just divide the bill by 6 and pay a share each month until its paid off. I like my money earning interest for me rather than giving it away unnecessarily.

Besides, debt helps your credit score, which keeps your insurance lower, keeps you viable for loans if you needed to move (whether you rent or buy) or buy a car, or if you are looking for a job--many employers check your credit score. We don't have any car payments, but we don't pay cash when we do buy a car because it has generally made more sense to have the payments--the interest we're paying is less than the interest we're earning (last couple of purchases).

The current offer required you to pay the entire trip on the Disney Visa. Last year, I think you only had to make the deposit on the Disney Visa.

 

[brentalex]

Ok, so how does it work for things like Disney Visa free dining or things like that when I see it mentioned here from time to time?

Otherwise I agree with ya.

If you get the disney visa card and use it to pay for a package of any kind, full price package or a package that includes free dining, you can get the 0% interest for 6 months.

 

[Princess Steph]

I use it for everything. The way I look at it, is it's cash. Cash that I use while on my trip. The other CC I use gives rewards, but I have to get gift cards to certain stores and then always end up spending more. Visa will send emails with the codes to book when they run the discounts. I got an email for the Fall/Winter FD about 2 weeks before the general public codes went out. I guess that allows me to book earlier and get the hotel of choice.

 

[snykymom]

We pay all of our credit cards off at the end of the month; we don't carry balances and thus do not pay interest. It just takes a bit of discipline, but it's the same as spending cash.

I got the Disney Visa because I got a promotional e-mail for a $100 gift card with first use. So I used it and got my GC. I'm booking my room-only with this card to get the photo package. But that's all I'll use it for.

Why? Because Disney Visa gives me 1% back in Disney GC. Those can be used only on Disney merchandise/Disney trips. I have another card that gives me 1% back in cash (they send me a check). That's a better deal since I can use it for anything, including Disney. I also have another card that gives me 1.5% back in travel vouchers, good for airlines or hotels. I just tell them to apply the credit to my credit card balance. Easy as pie.

The important thing about credit cards is to control your credit. Don't let your credit cards control you.