So are there any cardholders out there that DO carry a balance on the Disney Visa? If so, how bad are the minimum payments during all these changes? I was thinking of applying for the card, because we go do Disney about once a year, & the rewards would be great, as well as the discounts & stuff, but I can't be sure I would be able to pay it off every month. How screwed would I be if I did carry a balance (like a vacation package)?