So, was thinking of adding on points and putting the down payment on my Disney CC. I called the credit card company since I wanted to see if the 0 interest was paid off after the interest. Well, she told us that DVC down payments don't count to the 0 interest. I thought it did from when I originally purchased. Update: Looks like we spoke to someone that doesnt know anything. I pulled up the card perks, still shows that.