Another Disney Visa/ 0% APR Question

[HLAuburn]

OK, so my first statement came today since we put down the deposit on the trip. The $200 shows in the charges list, and then at the end, it's separated out as a promotional APR charge.

So here are my questions, if anyone can answer...

I'm assuming the balance includes the $200 (right?), so technically if I pay the balance less $200, I won't pay any interest, is that right? (We pay off the balance every month anyway).

Also, I know there was some confusion about refunds being credited to the lowest APR...so how does that affect paying off the balance? For instance, yesterday, Target credited the account $10 for a return...will that come off the $200 next statement as opposed to off my "regular" balance?

Maybe I'm making this all too complicated, but I don't want to pay any interest if I don't have to!

Thanks!

 

[Fall1]

I'm assuming the balance includes the $200 (right?), so technically if I pay the balance less $200, I won't pay any interest, is that right? Thanks!

This what I've always done and I've never been charged the interest. I just paid the balance less the Disney charged amount, in your case $200.