Disney Visa 0% vacation payoff question

[ThisIsTheYear]

I booked a Disney vacation on my DV and I made some purchases on it before I booked it and afterwards. I want to pay off the purchases first to avoid interest, do I need to call them to do this? Thanks!

 

[StraightToDumbo]

No need. Payments are applied to charges accruing interest first.

 

[mommajo143]

What PP said

 

[mum of two pirates]

what that your
I'm very protective of my dwarfs.
lol couldn't help it sorry

I was told they put the min payment on e lowest interest rate first. then any money after the min amount they will apply to the interest rate. Sorry for the spelling my laptop doesn't want to type right tonight.

 

[lanejudy]

Just be sure you are only making ONE payment per billing cycle. If you make additional payments, those "extra" payments will go to the promotional balance rather than your regular charges/balance. So if you have a habit of making a smaller payment out of each weekly paycheck rather than one lump payment at the due date each month, only the first payment goes to the regular balance and the additional 3 payments would be applied to the promotional (vacation) balance.

Same for returns/refunds. For example, you buy a TV for $800 but then return it; you would expect that refund to go against the original TV charge but it will be applied to the promotional (vacation) balance and then you are stuck paying for the TV as part of your regular balance or incurring interest. Not a big deal for small stuff but it can mess with your balance and interest if a big ticket item gets returned.

Enjoy your vacation!

 

[ThisIsTheYear]

I do make a bunch of small payments. This was very helpful! Thank you!