Another Disney VISA Rewards question

[mrsbono]

I'd like to do the 6 months 0% interest thing for our Disney package. Does anyone know which packages apply? I called Chase and they're aren't very specific.

Also, has anyone booked a 0% interest trip through Small World Adventures (the recommended travel agent of MouseSavers)?

 

[ruadisneyfan2]

I believe as long as it shows on your bill that the charge is from Disney vacations, it will be 0% interest.
I am new to card membership too. When I 1st booked free dining, I thought I'd have to pay in full right away so it has one "due date" for when the 6 mos expires. I started making payments and got a statement and realized the deposit and final payment could easily have different expiration dates. I since cancelled the package when I thought we might do better with a room only discount, then rebooked the package. Now I'm waiting for the final payment due date to start another 6 mo round.


A slightly different question I have is how do they consider room charges once you check out? Is that part of the Disney vacation itself and also qualifies for 6 mos interest free? Or do they only consider the package itself (or resort stay/room only).

 

[silmarg]

I've had the card for a while. Whether you use Disney itself or use a travel agent, the charge on your card will be "Dinsey" and not the name of the agency - hence - either way you will get the six month interest free.

Only the reservation amounts count... and you dont need to pay in full... the initial deposit can be 6 months interest free... then the final payment gets its own 6 months.

All costs that dont go thru the reservation system do not get the 6 months free.

So, for example, if you buy park tickets as part of your package with the agency in advance - then its 6 months free. If you show up to WDW and buy park admission at a ticket window, it wont get 6 months free.

So, room charges wont get 6 months free. No to souveniers... No to meals (unless u paid for the meal plan in advance as part of the package).

One thing to keep an eye on is returns on any items erode the 6 month free amount. For example, if you book a $2000 Disney Vacation... you will initially start with $2000 interest free. But if the next month you make a return of clothes at Target for $100... you will notice the $100 will reduce the $2000 down to $1900... and only $1900 is interest free for the next 5 months. So the moral of the story is to try not to charge items that have a high likelihood to be returned on this card if you are pending Disney vacation charged.

 

[ruadisneyfan2]

thanks for clarifying!

 

[gothtinkerbell]

I hate to disagree with another poster on here but I just called them not too long ago about this. I was told there were three things that were required for it to qualify for the 0% interest. The first was that the purchase must be more than $100. Secondly, it must include theme park tickets. And lastly, it must include on site hotel reservations. You cannot purchase these things separately in order to get the discount. I asked this because we placed our deposit on the Discover card and were wondering if we placed the balance of the trip on the card would we still get it.

 

[ruadisneyfan2]

I hate to disagree with another poster on here but I just called them not too long ago about this. I was told there were three things that were required for it to qualify for the 0% interest. The first was that the purchase must be more than $100. Secondly, it must include theme park tickets. And lastly, it must include on site hotel reservations. You cannot purchase these things separately in order to get the discount. I asked this because we placed our deposit on the Discover card and were wondering if we placed the balance of the trip on the card would we still get it.

So you're saying that a room-only reservation would not qualify for 0%?
That's silly.

 

[smitch425]

So you're saying that a room-only reservation would not qualify for 0%?
That's silly.

0% financing for PACKAGES. A room-only reservation is not a package. While it doesn't make much sense, it is the rule for the perk.

From disneyrewards.com

As an ongoing card perk, pay zero interest for 6 months anytime you use your card to book select Disney vacation packages, Disney cruises, and Adventures By Disney packages and Aulani, a Disney Resort & Spa, Ko Olina, Hawai'i vacation packages vacations through the Walt Disney Travel Company, your travel agent, or online at Disney sites. After your promotional APR expires, your standard purchase APR will apply. For new accounts, the standard purchase APR is 13.24% or 16.24% variable. For existing accounts, please see your Cardmember Agreement.

 

[ruadisneyfan2]

Sorry to rant on and it's not that I don't believe you but that's really not a perk at all. If someone wants to spend 10 nts at the GF, that's around $5K and they wouldn't view that as able to qualify? Sheesh, what a kick in the jewels.

 

[ruadisneyfan2]

Our upcoming trip is a package. If we pay a small part of the trip with a Disney gift card, does that null the 0%?

 

[Brer Shay]

You can pay for part of the trip with a Gift Card. As long as the charge is from Disney Travel Company and is charge for a package (room & ticket at least) it is included in the 0% interest for 6 months. As PP said, you can charge the initial $200 deposit and get six months, you can then pay the balance at 45 days and get 0% for 6 months, you can also pay increments along the way and get the 0% for 6 months from the date you make the payment. If you pay part of it with aa disney gift card, that's okay too.

 

[ruadisneyfan2]

thanks!

I can't wait!!!

 

[drakester]

I don't know about vacation package, but we put a few DVC points on our visa and I was told that you have to make a min. payment every month to get the interest free.

 

[mirage0306]

Dumb question time.

Is room + tickets, but no dining plan, considered a package?

 

[ruadisneyfan2]

Dumb question time.

Is room + tickets, but no dining plan, considered a package?

Yes, not a dumb question.

 

[mirage0306]

Thank you!

 

[AmandaRG]

With the Disney Visa if you pay the incurred charges before the end of the billing cycle (charge them and then pay them off a few days later), do you still receive the reward dollars? We had a rewards card once that did not give you the credits if they didn't sit on there until the billing cycle ended (thus increasing the avg. daily balance for interest charges). We always pay them off every month, but I really despise owing money.

If I can pay the bill a few days after it hits the account, I would feel better, but the point of this card is to get the points!

 

[AmandaRG]

With the Disney Visa if you pay the incurred charges before the end of the billing cycle (charge them and then pay them off a few days later), do you still receive the reward dollars? We had a rewards card once that did not give you the credits if they didn't sit on there until the billing cycle ended (thus increasing the avg. daily balance for interest charges). We always pay them off every month, but I really despise owing money.

If I can pay the bill a few days after it hits the account, I would feel better, but the point of this card is to get the points!

Has anyone tried this?

 

[LaurieN]

With the Disney Visa if you pay the incurred charges before the end of the billing cycle (charge them and then pay them off a few days later), do you still receive the reward dollars? We had a rewards card once that did not give you the credits if they didn't sit on there until the billing cycle ended (thus increasing the avg. daily balance for interest charges). We always pay them off every month, but I really despise owing money.

If I can pay the bill a few days after it hits the account, I would feel better, but the point of this card is to get the points!

I have not tried this but I think you would NOT get the points if it didn't sit for the billing cycle. They calculate the points based on your purchases at the end of your billing cycle not on a daily basis. So if you were to charge say $200 today and pay that $200 on Friday when your billing cycle ends (say on the 15th) your balance would be 0 therefore no points earned.
Hope that helps,
Laurie