Chase getting rid of Disney debit card

[disneydreamin247]

Could always just buy a pack of gum once a week via PIN transaction.

My plan of attack is to buy 5 yogurts at target a month, each as a separate transaction. I buy them anyway. The $2.50 a month is only going to be 3 cents of my Disney rewards, so it doesn't really make much difference.

 

[JDUCKY]

Really? Then would you mind sharing with the rest of us?

Here are some:
http://creditboards.com/forums/index.php?showtopic=302474

Some of those may have altered membership requirements over the last 3 years but it's a good place to start. Notice Alliant (from the 8 least evil banks article) is on that list. Also, USA Fed was acquired by Navy Federal last year.

 

[Madhatter family]

Really? Then would you mind sharing with the rest of us?

Not the one who said it but I live in Illinois and belong to Patelco CU which is in California - and I've never worked for pacific telephone (it was where we got a car loan through). But until then I thought all CUs were local/employer/demographic niche driven too.

 

[disneydreamin247]

it's DD or 5 pin transactions. Starting in Feb it will be $500 DD or 5 pin transactions.

Actually they don't have to be PIN, just debit transactions.

 

[delmar411]

Actually they don't have to be PIN, just debit transactions.

that's what a debit transaction is. The only other transaction is a CC transaction.

 

[delmar411]

And those 5 PIN transactions then eliminate those purchases from the disney rewards...

That's why we're diverting the money from our credit union, to do a direct deposit into Chase.

So you are doing an account transfer and it is counting as DD for Chase? Or just setting up the paycheck to DD into Chase instead of into the CU?

 

[disneydreamin247]

that's what a debit transaction is. The only other transaction is a CC transaction.

Incorrect. When you use your debit card you can select PIN or credit. Either count as a debit transaction. You get more points for selecting credit.

 

[JDUCKY]

Incorrect. When you use your debit card you can select PIN or credit. Either count as a debit transaction. You get more points for selecting credit.

No, using the PIN results in a transaction showing as ACH. Not a MasterCard/Visa purchase.

 

[delmar411]

Incorrect. When you use your debit card you can select PIN or credit. Either count as a debit transaction. You get more points for selecting credit.

Those aren't the transactions that count towards getting rid of the fees. You have to use your PIN to avoid the fees. I use my debit card a ton of times per month. Only when I use enough PIN transactions is the fee waived. We've only had DD for a few months and we've had to the pin transactions to keep the fee away. When I didn't use enough pin transaction we were charged the fee.

 

[disneydreamin247]

Those aren't the transactions that count towards getting rid of the fees. You have to use your PIN to avoid the fees. I use my debit card a ton of times per month. Only when I use enough PIN transactions is the fee waived. We've only had DD for a few months and we've had to the pin transactions to keep the fee away. When I didn't use enough pin transaction we were charged the fee.

That's odd because when I was out on disability and not getting any direct deposit for 6 months I was never charged the fee because I was using my debit card. Never have I used my PIN.

The bank I work in also doesn't differentiate between PIN and credit transactions. Both are debit card purchases.

 

[delmar411]

That's odd because when I was out on disability and not getting any direct deposit for 6 months I was never charged the fee because I was using my debit card. Never have I used my PIN.

The bank I work in also doesn't differentiate between PIN and credit transactions. Both are debit card purchases.

Are you banking with Chase? It's done at the corporate level not the bank level. I have had success with getting my branch to waive those fees since they can't tell the difference between pin and CC transactions so they waived a bunch of the fees for me since I had our monthly cycle dates messed up.

 

[disneydreamin247]

Are you banking with Chase? It's done at the corporate level not the bank level. I have had success with getting my branch to waive those fees since they can't tell the difference between pin and CC transactions so they waived a bunch of the fees for me since I had our monthly cycle dates messed up.

Yes, I bank with them. I have 2 accounts. One that gets DD and one that does not. Neither of them have been assessed any fees.

 

[JDUCKY]

Just want to say I'm glad to see no one is saying "PIN Number"


That is all.

 

[disneydreamin247]

Just want to say I'm glad to see no one is saying "PIN Number"


That is all.

When customers come in and say PIN number I want to bang my head on my desk. Also, when they call their IRA their "Ira" like it's their cousin from Long Island.

 

[JB2K]

No, using the PIN results in a transaction showing as ACH.

It may count as something different, but it's not "ACH" (which stands for Automated Clearing House - the entity that transfers money between financial institutions, as directed by the Federal Reserve Bank).

 

[DisneyMom14]

Since building my house and putting a couple of larger items on my Disney Visa to get points, I haven't used it monthly until I pay it off. Since then I've been using my Disney Debit with Chase and I will be VERY sad if/when this happens.

 

[MommyBell08]

Since building my house and putting a couple of larger items on my Disney Visa to get points, I haven't used it monthly until I pay it off. Since then I've been using my Disney Debit with Chase and I will be VERY sad if/when this happens.

Not sure what "Pay it off" means. If you are talking about your Disney Visa Credit Card, you are fine. The Debit Card is the one being discussed.

 

[diamondpixienc]

Did they mention if they would still offer it until then? I mean there are none in my area but I was thinking about opening a chase account online to possibly get the Disney visa debit card.

 

[cm8]

Did they mention if they would still offer it until then? I mean there are none in my area but I was thinking about opening a chase account online to possibly get the Disney visa debit card.

here is a link stating why http://www.mybanktracker.com/bank-news/2010/11/22/chase-debit-card-rewards/


and someone posted that it would still be available till Feb, and you would be grandfathered in for 2 years at which the program would terminate

 

[livndisney]

Those aren't the transactions that count towards getting rid of the fees. You have to use your PIN to avoid the fees. I use my debit card a ton of times per month. Only when I use enough PIN transactions is the fee waived. We've only had DD for a few months and we've had to the pin transactions to keep the fee away. When I didn't use enough pin transaction we were charged the fee.

With the Chase debit card, are you charged a fee for the pin transactions?