Okay, so I saw this on th DL side of the boards here, getting help from a disser there, and it worked out great! Hopefully I explain okay, lol.
There are a couple places you can get discounted egift cards, and use those thru your target redcard acct online, to get a good discount. One is cardpool.com and the other is raise.com They offer all sorts of different gc's. I was looking for target cards and they are offered on Raise for a higher discount than at cardpool, up to 5.7 percent off(varying to like 3 percent). (They also offer other cards, some at bigger discounts then the target ones, if interested.) They are being sold all the time, so sometimes the five percent ones go out of stock. I didn't realize that would happen but then I just waited for them to be back in before buyng.
So, I bought 4 Target gc's at Raise, with a value of $564.65 that were discounted at 5.5 percent, so spent $533.59. That saved me 31.06 I paid with my Disney Visa, which gives me reward dollars, too. (My other choice I considered was my SW Visa to get rewards points towards free flights, but had my disney card with me so used that.) Then, I took those egift cards to my target redcard account online. So, you set up your redcard acct, and have the target redcard selected as your default payment, very important. Then, go shop for your Disney gc's, sold in $50 increments. You can buy 8 in one transaction, using up to 4 gc's in the one transaction, so better to have bigger gc's if possible. Then go to check out and proceed to go to payment page. Your order will have a summary of items costs to the right of the page. Under this will be several links, one being the Pay with a target gift card, open that link. There you will be able to put in the gift cards. You'll need the info from your Raise acct, that they give after purchase. There is an account number and pin number on the back of gc's that they give you at Raise and you'll use these at target to apply each gift card(they work same as if you had the gift card in hand, instead of an egift card on the screen). When you use your target redcard to pay, you get a 5% discount. You also get a five percent discount using a target gift card, if you have the target redcard set as your default payment on your redcard online acct.
So, I had almost enough to buy 12 $50 disney gc's using the target gc's I bought at Raise
8 gift cards at target cost $380, 4 gift cards cost $190, So that is $570.00(564.65 target gc plus free $5 target gc, plus .35 cents).
Target gift cards getting a 5% discount.
Got a 5.5% discount buying those target gift cards to buy the disney gift cards.
So, basically I spent $533.59 (plus .35cents and a free $5 Target gc) to get $600.00 in Disney gift cards!!! That's an approximately 10.5% discount!! That's as good as when i was able to use the redcard 5% and the target pharmacy 5% discounts together. And, really it was very easy, especially considering I did it all on my laptop, didn't have to go to target at all!
Hopefully you can understand my explanation of how to do it, and it helps you out. Please let me know if you have any questions!
How much do I need to save for room charges?
so I am going to get a Walmart giftcard with my Disney visa. I am then going to use that gift card to purchase this 
