Curious? How many pay there dues right away?

[DisneyPups]

We just joined, and pay all at once. But we're just the two of us, no kids. When we start a family, we may not be able to part with such a big chunk of money at the start of the new year. Off topic: Does the Disney Visa give you greater rewards for Disney purchases?

 

[EeyoreEma]

We have a small contract, so we just pay it all at once and get the rewards on the credit card.

 

[pmcpmc]

nice to see all the account balances at zero

 

[sanibel93]

Pay all at once and get it out of the way. Get points on my cc.

 

[Tink2312]

First dues payment for me- bought BLT in Nov. I paid my dues over a week ago as I wanted to get that expense out of the way - now I can look forward to my first trip "home" in March

 

[Havana]

We just joined, and pay all at once. But we're just the two of us, no kids. When we start a family, we may not be able to part with such a big chunk of money at the start of the new year. Off topic: Does the Disney Visa give you greater rewards for Disney purchases?

Not that I know of, but that would be nice!

 

[mdphilps]

I always pay mine the very first day... want the points on my visa for annual passes and don't want anything to happen to my existing ressies...

Yep...pay mine right away

 

[PoohNFriends]

We just joined, and pay all at once. But we're just the two of us, no kids. When we start a family, we may not be able to part with such a big chunk of money at the start of the new year. Off topic: Does the Disney Visa give you greater rewards for Disney purchases?

Unfortunatenly, no larger % of rewards for Disney purchases. There's 0% financing for 6 months on vacation package purchases and purchasing DVC (I think up to $5000). Savings at DisneyStore.com, World of Disney, and certain TS (and maybe some CS?) at the parks, etc. Most of the year you earn 1% in rewards on every purchase and sometimes there's short-term offers to earn higher percentages. The opportunity to have 0% financing and discounts is nice, but 1% rewards isn't anything too exciting compared to other cards that offer 3%-5%. I just use the card that earns the most and if the same, I usually choose the Disney card.

 

[Winston21]

It's not about paying it up front, it's about paying it over the course of a year. Unless you're outside the US you do not need to pay the whole dues up front, you can pay equal monthly installments over the course of the year with no fee. I think you're stuck on the amount due at invoice, the due date and the fact you can pay in equal monthly installments.

So if you through $1,000 into an account and earn 2.5% (not that hard to get a liquid account at that, just takes some work), you can earn a few dollars above what you would get in cash awards (most are 1%).

I am an investment advisor at one of the largest brokerage firms in the world. I will categorically tell you that a cash rate of 2.5% does not exist Ruhr now. Period. You would need to use dividend funds, or longer term corporate bond coupons. This is not an opinion...this is fact. if you know of one, Please provide ticker symbol for a money market earning over 2.5% and I will make some significant deposits.

 

[Winston21]

That's a pretty good summation of what would happen in the course of one calender year.

The real advantage comes in year over year interest, though. That $10 in interest (using your hypothetical), that I earned , will earn additional interest each year.

Short term, the rewards are slightly better (though not as beneficial as liquid assets). Long term, the interest probably turns out better.

Both are good ideas, and likely which one you pick would depend on your spending habits, travel habits, and how likely you are to leave that interest along in your account to continue to compound.

That $10 will earn 10 cents over the next twelve months at 1%. is that really worth worrying about? I am an annual payer. My money stays in the brokerage account where I often do 1% per day. Now there are plenty of days where I lose 1% or more, but I pick my spots and harvest $1000 in gains when it makes sense to do so.

 

[katieam1]

Monthly for us.

 

[Disneypapa]

Annually. I use a portion of my disney reward dollars to pay toward the dues. I then pay the balance on-line with my Visa credit card (let the rewards add up towards next year's dues again).

 

[Mama_Dis]

Automatic monthly- otherwise I'd forget.

 

[fdwang]

I usually pay right away, or else I forget. Yearly fees in one shot.

 

[mtw58]

Always pay prior to the due date.

 

[brianbyard]

We pay with AMEX. Take the points an pay it off right away.

 

[laura-k]

Put them on our Disney Visa yesterday , always pay it off and take the points ...don't have to worry about it the rest of the year.
I despise monthly payments ,so I usually avoid them if possible -

 

[phelps]

We charge them when we get the bill.. Love the points from our charge card.

 

[ottosmom]

We usually pay before the "past due" date.

 

[CAMPI1]

Monthly withdrawal,it's interest free and better spread out, so you don't feel it !