I agree that loyalty should be rewarded. However, I am annoyed by the fact that folks with Disney Visas get such great deals. I applied and I was denied. Logic would dictate that people with less than stellar credit need the discount more than someone with great credit. I've got to pay cash for my whole family while someone else gets to delay payment AND get a super deal. Given the state of the economy, WDW is going to have to up the ante on the GP codes if they want to continue their current revenue stream...
I’m not sure if you understand that Disney and Chase have an agreement to use of rights concerning the Visa. Chase decides who gets the Visa with what limits since they are the ones loaning you money and have to decide on what is an acceptable risk. No one wants to loan money to someone who might not pay it back, especially if they already have a track record in that department. The perks you get with the Disney card (that Disney grants) are there to entice you into using that Chase card, hence Chase makes money from the Disney name and Disney makes money by Chase paying for rights to it. Disney will offer discounts based on your (general your) being a Disney-Chase Visa credit card holder as another reason to make you want to get the card, and more likely to go to Disney with it. It’s all about both companies making money. Might not be fair to someone who has less than stellar credit due to a single circumstance, but life isn’t fair.
*******************************************************************************************************
Disney’s marketing department randomly chooses criteria in which to email/mail codes to. They can be based on the family size, income, what your signed up for with Disney, what state you live in, children’s ages, planning DVD ordered, etc. It used to be the postcard rates were a better rate than the email codes, but nowadays they seem to be the same.
I received my first pin code without ever having stayed on site, three years after I ordered a planning “tape” without being registered for anything else. I have received some type of pin code every year since. I didn’t think I would this year, but I received one of the
free dining pins (already having a ressie) in the last batch of mail outs. Even if my dates would have worked, it wasn’t the best discount out there for me. Most of the time I can’t use the pins when they are sent, however, I have yet to pay rack rate. There are lots of other ways to receive discounts other than pins. Bounceback offers, Disney Visa, AP (the purchase of one AP can be well worth the cost in savings), General Public codes, etc. As I’ve said, pins aren’t always the best discounts.