O.k. DON'T let this happen to you. I am SO mad, and it's my own fault, but somehow I missed my last payment on my Disney Visa. I found out the day after it was due, so it wasn't that late or enough to screw up my credit, but I still don't know where that bill is. My dd20mos probably grabbed it off the table and threw it behind the couch. Anyhow, when I called to pay the bill it said I had 0 rewards points when actually I have 88. So I spoke to someone and she said, "Oh you have to wait until July 21 (payment was due again today) or maybe it was the 25th to get your points back even if you make your payment." Grrrrr.... So, we leave for FL on Aug. 3. Do you think we will get them before we leave? That's like 2 weeks away.