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Old 02-08-2013, 10:00 AM   #1
StephC1217
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Are there any perks to using Disney credit card to pay off DCL balance?

I was just wondering if there were any perks to using my Disney Credit Card to pay off the balance of our DCL trip, rather than a different credit card?

TIA!
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Old 02-08-2013, 10:04 AM   #2
lanejudy
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0% interest for 6 months.

If you have made ALL payments - including deposit and any interim payments - you are also eligible for an OBB (I think it's $50). But all payments had to be made with the Disney Visa for the OBB.

Enjoy your cruise!
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Old 02-08-2013, 10:05 AM   #3
colemame
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I believe you get zero percent financing for 6 months if you use your disney card for Disney vacations (hotel and cruise).
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Old 02-08-2013, 10:05 AM   #4
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Originally Posted by StephC1217 View Post
I was just wondering if there were any perks to using my Disney Credit Card to pay off the balance of our DCL trip, rather than a different credit card?

TIA!
I did that and I think I got some onboard credit for it, $25 maybe. But I had to pay the whole thing with the Disney card.
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Old 02-08-2013, 10:17 AM   #5
mjandkev
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I have heard that booking and paying off the cruise with the Disney Visa gets you a $50 onboard credit, but I am unsure about how it is applied. I think you may have to ask for it rather than it being automatically given.
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Old 02-08-2013, 10:56 AM   #6
DynamicDisneyDuo
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You're supposed to enter a code, DCC, when you book the reservation. My only problem with that is you may not know if you're going to pay it all with the Disney Visa. I guess they want you to put it in there if you think you will. If you forget, you can call/email them and they can add it. You may have to escalate like I did, the first person didn't want to give it to me b/c I didn't put in the code. I assume if you wind up not paying for it all with the Disney Visa, the system automatically removes the credit but I'm not sure.
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Old 02-08-2013, 11:13 AM   #7
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The other perk is that you will earn reward dollars on the balance that you can turn around and use onboard when you transfer to your rewards card. I consider it a 'discount'
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Old 02-08-2013, 11:38 AM   #8
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The other perk is that you will earn reward dollars on the balance that you can turn around and use onboard when you transfer to your rewards card. I consider it a 'discount'
We were unable to get the $50 OBC because we had already got the 10% discount off the cruise, but paying any portion of your cruise bill will give you 2% rewards dollars.
I'm charging EVERYTHING this year (and using auto-pay) to rack up the rewards bucks. (Made me feel a little better about paying for my husband's truck to get fixed recently!)
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Old 02-08-2013, 11:44 AM   #9
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We were unable to get the $50 OBC because we had already got the 10% discount off the cruise, but paying any portion of your cruise bill will give you 2% rewards dollars.
I'm charging EVERYTHING this year (and using auto-pay) to rack up the rewards bucks. (Made me feel a little better about paying for my husband's truck to get fixed recently!)
That was our plan, until I read in another thread you can use your red card at Target and get 5% off Disney giftcards. So instead of 2% back in reward dollars, you're getting 5% off everything Disney.
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Old 02-11-2013, 03:54 PM   #10
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So, am I correct in stating that because we booked onboard and got the 10% discount that we won't get the VISA promotion too? That is a bummer! We used our VISA for all of our onboard charges!
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Old 02-11-2013, 04:08 PM   #11
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So, am I correct in stating that because we booked onboard and got the 10% discount that we won't get the VISA promotion too? That is a bummer! We used our VISA for all of our onboard charges!
That's what I was told. But look at the bright side -- you saved WAAYYY more than $50 by getting the 10% off. And most likely everything you charged that was "Disney" gets 2% rewards anyhow. The $50 would be just gravy.
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Old 02-11-2013, 04:11 PM   #12
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That was our plan, until I read in another thread you can use your red card at Target and get 5% off Disney giftcards. So instead of 2% back in reward dollars, you're getting 5% off everything Disney.
I wish we had a Target that was close. I don't go there enough to be able to make it worth it. We live on an island in a town that has banned "big box" stores. Bummer!
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Old 02-11-2013, 04:13 PM   #13
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So, am I correct in stating that because we booked onboard and got the 10% discount that we won't get the VISA promotion too? That is a bummer! We used our VISA for all of our onboard charges!
Yes, one discount per cabin - OBB, florida rate, military rate, Visa card. Visa is usually the lowest so take one of the others.

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