We booked our 11/03 dcl cruise through costco and we are getting the $500 costco gift card. I did all my own research by calling disney and asking them a TON of questions. Disney was very helpful and answered all of my questions then helped me pick out the best connecting staterooms in our category. Then I called costco and had them book those rooms. When disney offered the special for our galveston cruise i called costco and they got us the discount from disney and we kept all of our original reservation. Same rooms, dining etc. It saved us $1600 but we did have to pay a $25 change fee. I would rather have the costco cash than an obc. We have a family of 8 and will spend the costco cash in a couple of trips!