Received my Disney credit card this week and plan to just not activate it. It is a little chilling to read the WDW resort forum, for example, and read notices of concerns about possible upgrades, codes, postcard rates,etc. and realize that this is the pool of customers Disney is targeting. Tons of emails agonize over whether the extra money for a deluxe hotel or concierge at same is worth the cost. People rhaposodize about Disney magic. I gues it must have been impossible for Disney not to go for the ultimate goudge.