Are there any perks to using Disney credit card to pay off DCL balance?

Discussion in 'Disney Cruise Line Forum' started by StephC1217, Feb 8, 2013.

  1. StephC1217

    StephC1217 Mouseketeer

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    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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  3. lanejudy

    lanejudy Moderator Moderator

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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!
     
  4. colemame

    colemame Earning My Ears

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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).
     
  5. MrRay

    MrRay Mouseketeer

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    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.
     
  6. mjandkev

    mjandkev Earning My Ears

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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.
     
  7. DynamicDisneyDuo

    DynamicDisneyDuo DIS Veteran

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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.
     
  8. misndug

    misndug Earning My Ears

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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' :)
     
  9. noahsketomom

    noahsketomom DIS Veteran

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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!) ;)
     
  10. NurseDave

    NurseDave Mouseketeer

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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.
     
  11. amybethchristiansen

    amybethchristiansen Mouseketeer

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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!
     
  12. noahsketomom

    noahsketomom DIS Veteran

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    That's what I was told. But look at the bright side -- you saved WAAYYY more than $50 by getting the 10% off. :goodvibes And most likely everything you charged that was "Disney" gets 2% rewards anyhow. The $50 would be just gravy.
     
  13. noahsketomom

    noahsketomom DIS Veteran

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    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! :sad2:
     
  14. neg58

    neg58 DIS Veteran

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    Yes, one discount per cabin - OBB, florida rate, military rate, Visa card. Visa is usually the lowest so take one of the others.

    Nancy
     

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