Disney Visa 0% promotion - how to make payments in the 6 month window

[byurick]

I'm planning to use this to help me pay for a DVC direct contract but I cannot find any info about how to actually pay it back and not get charged interest (before anyone replies I did ask Chase first for specifics and they wouldn't give me any answer other than to "read my cardmember agreement").

As a test I put a deposit for a cruise on the card for a February 2026 trip, as expected in my statement I can see the charge under the 0% promotion section. I have my account payment settings on "Interest Saving Balance" and waited for two payment cycles to happen. When I open the newest statement balance it shows that zero dollars of the cruise has been paid. How do you specifically pay down the balance? I don't see a way to do that is obvious.

 

[MartyParty]

If selecting “interest savings balance” your automatic monthly payment is exactly as the name implies. It’s up to you to decide how much extra to pay and when. If you don’t pay any extra each month, the full amount will be due when the six months is up.

We did this a couple of years ago buying direct points. I divided the amount by 6 and made an extra payment each month the week after the interest savings balance payment was automatically deducted.

 

[davidhr]

if you're using the card for other purchases, the interest saving balance is higher than the minimum and it's all the other charges, that's why your 0% balance hasn't changed. Technically you don't owe anything until the 6th month.

I you only put that charge and don't use it for anything else, there will be a minimum payment each month, which will be pretty small, so at the end of the 6 months you'll have to pay most of the initial charge to avoid interest.

With 0% promos you'll need to calculate the payments yourself if you want to pay through the 6 months. Divide the charge by 6 and add that to the interest saving balance each month. (Obviously now you'll need to pay the months you didn't pay to get even).

 

[byurick]

Thanks all, paying extra after each auto payment was something I suspected but I've been unable to confirm in any research or even when I asked Chase directly.

 

[tx911]

I'm planning to use this to help me pay for a DVC direct contract but I cannot find any info about how to actually pay it back and not get charged interest (before anyone replies I did ask Chase first for specifics and they wouldn't give me any answer other than to "read my cardmember agreement").

As a test I put a deposit for a cruise on the card for a February 2026 trip, as expected in my statement I can see the charge under the 0% promotion section. I have my account payment settings on "Interest Saving Balance" and waited for two payment cycles to happen. When I open the newest statement balance it shows that zero dollars of the cruise has been paid. How do you specifically pay down the balance? I don't see a way to do that is obvious.

When I have used my card for DVC, there is a number in addition to the total balance in the app that says "interest saving balance" or something similar. So you can pay only that amount without incurring any interest charges.

 

[Sandisw]

I set mine to to pay 1/5th of the payment that is 0%.

But, you need to look at the date because sometimes, it falls in between billing cycles and it needs to be paid off before that date…hence why I set mine to 1/5th instead of 1/6th.

 

[muppets3d]

Personally, I disable auto pay and make manual payments when I have a promotional rate purchase on my ledger. Any other time I let auto pay manage it and just pay my balance each month. I have not paid a dime in credit card interest since I was in college.

 

[Mommb]

You can pay any amount. If you pay more than the total of the other new charges, the difference between what you pay and the new charges will be deducted from the “interest-free” balance.

Like Sandisw, I look at the number of monthly payments remaining before interest will be charged, and add at least the remaining interest-free amount divided by the months remaining to the amount of new charges. For example, if I charged $200 during July and have $1200 of cruise charges that are interest-free through the end of September, I will pay at least $600 ($200 + ($1200/3)) in July. Of course, this works only if you have paid all other new charges in full in previous months.

 

[VGCgroupie]

What others have said "interest saving balance". Although I am to afraid to put any other charges on the card until that 0% is over.

 

[MartyParty]

What others have said "interest saving balance". Although I am to afraid to put any other charges on the card until that 0% is over.

FYI, I've continued to charge to my Disney credit card even after a "6 month no interest" purchase. It correctly keeps track of what is and is not interest free for the 6-month period.

 

[Flash_Sloth]

I set mine to to pay 1/5th of the payment that is 0%.

But, you need to look at the date because sometimes, it falls in between billing cycles and it needs to be paid off before that date…hence why I set mine to 1/5th instead of 1/6th.

Yes, that is a very important point. The 6 months 0% is from the transaction date, which is almost always less than 6 billing cycles after the transaction. To have 0%, plan to have it paid off at the 5th bill after the transaction.

 

[VGCgroupie]

FYI, I've continued to charge to my Disney credit card even after a "6 month no interest" purchase. It correctly keeps track of what is and is not interest free for the 6-month period.

Awesome! I will probably still end up being too paranoid to do it I worked for Amex back when cc companies didn't have really any rules to follow that benefited the customers so thats likely where my paranoia stems from

 

[MartyParty]

Awesome! I will probably still end up being too paranoid to do it I worked for Amex back when cc companies didn't have really any rules to follow that benefited the customers so thats likely where my paranoia stems from

I know exactly what you're talking about! : o

I remember those days. Unsure if it was Amex or another company. Free interest promo. Then, until you pay of the "free interest promo" any additional new charges attract interest at some ridiculous +20% rate. Total scam that was.

Disney credit card hasn't been that way for us.