Disney Rewards Visa...

[AKL_Megs]

Before we apply, I am wondering if there is a glass ceiling as far as the number of points you can receive.

I know that $100 equals 1 point, which in turn equals $1. We want to get the card and use it to pay for EVERYTHING. We have the potential to put about $1500 on the card, which would be 15 points a month, which would be $180 a year. If we had a higher limit, we would spend even more. Do they cut you off a some point?

 

[ShellyLynn3630]

No, there is no glass ceiling. There used to be, thats why we have two accounts. You can pay your balance down as many times a month as you want, so even if you have a lower credit limit, pay it off on the net several times a month. We average about 30 reward dollars a month, during Christmas and such even more.

 

[Katieluvsminnie]

We have had our card for years and have never had a problem. We pay for everything, gas, house bills, food, etc( we even charged out kitchen remodel). We average around 50 a month, sometimes more. Pay in full, and on time and after a few months ask for a limit raise. And don't forget you will get points when u charge your actual vacation to Disney (6 months no pay no int).

 

[05MM08MM]

Just beware, Chase is raising their APR rates and changing to a variable rate

 

[AKL_Megs]

No, there is no glass ceiling. There used to be, thats why we have two accounts. You can pay your balance down as many times a month as you want, so even if you have a lower credit limit, pay it off on the net several times a month. We average about 30 reward dollars a month, during Christmas and such even more.

VERY good to know. I didn't even think about Christmas, birthdays, etc. I'm hoping to have around $250 - $300 points by next June! Wish me luck spending!!!

Here is another question... HOW do you pay bills, like credit cards, with another credit card? You call them? I'm stuck in 1988 with my checkbook! LOL!

 

[nolatron]

Had a card for maybe little over a year. Have almost 500 reward dollars on it.

My wife and I also charge everything and anything we possibly can to it. Pay utility bills, cell phone, gas, food, misc purchases, etc... If we can charge it we can.

We only have 1 credit card, so don't know about paying one CC off with another.

 

[nolatron]

Just beware, Chase is raising their APR rates and changing to a variable rate

Not a problem if you pay your bill in full every month. I don't even know what my APR is because I pay my bill in full every month.

IMO, if you can't do that you're spending too much.

 

[kaguilbeau]

Here is another question... HOW do you pay bills, like credit cards, with another credit card? You call them? I'm stuck in 1988 with my checkbook! LOL!

Sometimes a credit card company will offer a balance transfer promotional rate (like 2% APR on your transferred balance for the next 9 months). You would enter your credit card account number and the amount you want to transfer. The transfer will show as a payment on one card and a cash advance on the other card. This is usually subject to a different percentage rate and also other fees.

Also - this does not count towards any rewards. Only purchases.