kristenrice
NOT just an ambulance driver
- Joined
- Apr 25, 2006
You have to do whatever is within your comfort level.
I redeem my rewards for Target GCs and then buy the Disney GCs online because I know that I can use them to pay my DVC dues in the event that a trip falls through, like they did last fall. I would not buy them if I was concerned if my vacation account doubled as an emergency fund.
I don't know how much shopping you do at Target, but buying the GCs at an 8.5% discount on cardcash is still better than the 5% discount you would get on any in-store purchase using the REDCard. You could save those Target GCs for everyday purposes if your Disney trip falls through, but use them to purchase Disney GCs in-store at the last minute if the trip is a go.
Oh, good call! I am a DVC member too. I have a set amount direct-deposited from each paycheck into an online money market account. Then I buy a bunch of gift cards in December and pay the dues in a lump sum in January. It's only May so the account is only half-full right now, but perhaps I ought to empty it out and buy those Target cards at a discount. Even if they never come back online, you pointed out that the 8.5% is better than the 5% in the store.
If you don't go, are you likely to go anytime soon?
Would you buy groceries or anything else at Target?
If you can answer yes to either of these, pull the trigger and have the Target cards ready for when you make your final decision.
Yes to both...we go to Target at least twice a week (they have a super-friendly girl that works at the Starbucks and always gives my kids the HUGE drinks and only charges us for the small ones) and we are also planning a trip back to WDW next June.
You guys have talked me into it.