Have had my Disney Rewards card for a long time. I use it for everything but carry no balance.... I pay it all off by transfering the money I would have used for Bills and Groceries and such from my checking to the account before the amount is due. This way I have the money saved and have no interest and reap the rewards.
I just put our cruise Deposit on the card....the $3,000 deposit I have 6 months to pay at 0%.... any other balance I have to pay monthly. I will be paying it off today because the money has already been saved for it.
I will also put the whole cruise on it, but will have saved all the money ahead of time...so i will transfere it than a couple days after it clears,transfer the funds from my savings/checking account to the card....get lots of points that way
Also at that time will transfer my ressie to DL for the OBC.
Need to get all the points we can so to use for all the excursions and such. Why pay for them(excursions and such) when you can just throw everything on the card...even your monthly Bills, transfer the funds over that you have saved for your bills ....and get the points. But be sure you transfer or the money you are trying to get from your points will only be eaten up in interest payments.
Again we use if for everything...and I mean everything. Wish we could use it to pay our Mortgage...that would really add on the points
We have at this point after using a lot for our 2 DL trips this summer....925 points
(before I check the balance on Nov 4th)and wont be cruising again til 2011....we will use some next summer at DL....but will still have saved lots....
Have fun and get those reward points....it is fun to watch them grow! It's like free money
(as long as you dont run a balance... and except for the 6 months 0% deal)