Disney Visa accepting applications on-line!

crazy4wdw · Feb 25, 2003

There is now a link on the Disney Club web site that will take you directly to the Disney Visa site where you can now apply for the card. Only 1% of purchases will be applied towards the "disney dream rewards". I guess there will be special promotions where you can earn double or triple reward points. You pay no interest on Disney vacation packages or Disney Cruise packages for the first 6 months. There is no interest charges for the first six months and the annual APR is as low as 11.15% (this seems high to me, my AMEX Blue is only 9.9%). I am not sure if you can access the page directly through bank one's web site.

ohanafamily · Feb 25, 2003

Here is the text of the letter I was sent. there are a couple of things I was a little uncomfortable with, one being one point for every $100.00 spent. That means to me that they will round purchases down to the nearest $100 each month! Also, they have a number that you have to call to tell them not to give out your information. (the number is (800) 869-9638) Unfortunately, there is no place to list it on the form so they can give out your information before you are even approved!

Also, remember to use the code from the place you want the card titled...IE if you are DVC and want it on the card you had better give them the DVC code. The code listed below is from some random department.

Here is the text...

<html>
<head>
<title>Disney's Visa Credit Card from Bank One</title>
</head>

<body>
<table cellspacing="0" cellpadding="0" border="0" bgcolor="#FFFF9A">
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<td colspan="2"><img src="http://disney.go.com/visa/disneysecret/images/email1_hdr.gif" width="734" height="224" alt="" border="0"></td>
</tr>
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<td width="576" align="center">
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Disney's Visa® Credit Card from Bank One is here-and so is your chance to get "Day 1"
status! If you'd like to have Cardmember since "Day 1" embossed right on your card,
<a href="http://x.go.com/43597?eid=null&uid=115723" target="_blank">click here to fill out a secure application</a> or call 1-888-688-4868 (mention special code 680G12) now through March 24.

Disney's Visa Card is the only card that helps you turn the things you buy every day into
Disney magic with benefits like:

Earn Disney Dream Reward DollarsSM on your purchases.*
 
You'll earn Disney Dream Reward DollarsSM equal to 1% on purchases charged to
your Disney's Visa® card. Redeem your Disney Dream Reward towards a wide variety of merchandise and services at
Disney Store, DisneyStore.com, Disney catalog, Disneyland® and Walt Disney World® Resorts -
including Theme Parks, and Disney Cruise Line®. Disney Dream Reward DollarsSM can even
be used in combination with special offers and discounts.

Special Disney bonus offers.
 
In your statement and online, you'll get special bonus offers that let you earn double,
triple or more Disney Dream Reward DollarsSM on selected Disney purchases, or get more
with your reward dollars when you redeem them. As a Cardmember you'll also receive
special bonus offers, such as special deals on vacation packages or merchandise, when
you use your Disney's Visa Card.

Pay no interest for 6 months on Disney vacation packages.**
 
Pay no interest for 6 months on cruise packages or ticket-inclusive Disney vacation packages when you or your
travel agent book through the Walt Disney Travel Company or Disney Cruise Line® and charge the package to
your card prior to arrival.

0% introductory fixed APR for 6 months.***
 
After that, you'll enjoy a variable rate as low as 11.15%.

No annual fee.
 
Even with all of these great benefits, you won't have to pay an annual fee.

Enhanced Visa® Platinum benefits.
 
Cardmembers are covered with full Visa Platinum benefits plus added premium benefits
to enhance shopping and travel like:
</td></tr></table>
 
<img src="http://disney.go.com/visa/disneysecret/images/email1_textbox.gif" width="558" height="65" alt="" border="0">
 
<table width="510"><tr><td width="510">
Don't miss your chance to become a Cardmember since "Day 1" and unlock all the
magical rewards of Disney's Visa® Credit Card from Bank One.
<a href="http://x.go.com/43597?eid=null&uid=115723" target="_blank">Click here to fill out a secure application</a> or call 1-888-688-4868 and mention special code
680G12 to apply today.
</td></tr></table>
</td>
<td valign="top" width="158"><img src="http://disney.go.com/visa/disneysecret/images/email1_side.gif" width="158" height="304" alt="" border="0" usemap="#applynow"><map name="applynow">
<area alt="Apply Now." coords="16,260,109,297" href="http://x.go.com/43597?eid=null&uid=115723" target="_blank">
</map>
<table width="128" cellpadding="0" cellspacing="0" border="0"><tr><td align="center">
Or apply by phone at 
1-888-688-4868 
mention special code 
680G12
 
 

<a href="http://x.go.com/43596?eid=null&uid=115723" target="_blank">See pricing and terms</a>

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<hr align="left" width="634" color="#99986A">
<table width="510"><tr><td width="510">
Offer available to U.S. residents only.

You must be 18 or older to be considered for this credit card.

*Subject to credit approval. You will earn one (1) Disney Dream Reward Dollarssm for every one hundred (100) dollars in net purchases, up to a maximum of 750 Disney Dream Reward Dollarssm on $75,000 in net purchases in a calendar year. You will not earn Disney Dream Reward Dollarssm on balance transfers, cash advances, convenience checks, unauthorized charges, finance charges accrued on your account balances, or fees on products which protect or insure the balances of your account or fees of any kind. Disney Dream Reward Dollarssm will accrue only when your Disney credit card account is in good standing. The Disney Dream Reward Dollarssm will have to be transferred to a designated card or certificate before they can be redeemed. Redemption is allowed only for designated Disney merchandise or services at participating Disney locations. Additional Program Terms and Conditions apply and will be provided to you with your Disney's Visa Card once you become a Cardmember. Program Terms and Conditions may be modified and services and benefits may be added or deleted at any time without notice to Cardmembers.

**You understand that the terms of your Account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement. Please read very carefully the "<a href="http://x.go.com/43596?eid=null&uid=115723" target="_blank">Rate, Fee and Other Cost Information</a>" section included with this offer.

***You will automatically receive this 0% promotional APR for 6 months, provided that any payment on your account is not past due at the time of purchase. This rate applies to certain Theme Park ticket-inclusive Disney vacation packages and Disney Cruise Line® packages of $101 up to a maximum $10,000 per transaction charged to Disney's Visa® Card prior to your arrival and booked by you or your travel agent through Walt Disney Travel Company or Disney Cruise Line®. See "<a href="http://x.go.com/43596?eid=null&uid=115723" target="_blank">Rate, Fee and other Cost Information</a>" sections for additional APR details. Certain restrictions and exclusions apply. You will receive complete terms and conditions for this offer once you become a Cardmember.

**** Please allow 4-6 weeks after your first purchase, balance transfer, convenience check, or cash advance.

©2003 Disney



 <center> Please Do Not Reply to this message. For all inquiries, please click <a href="http://x.go.com/43598?eid=null&uid=115723">here</a>. This message was sent to: 
 To unsubscribe from the "Day 1" reminder email please click . 
 



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<img src="http://ts.go.com/bk?bs=2&bj=1586848&bu=115723"></body>
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:bounce:

ohanafamily · Feb 25, 2003

PS, A maximum of 750 points per year.

:bounce:

Luv2Roam · Feb 26, 2003

Well, and we all know their vacation packages aren't often the best $ route for a consumer to go anyway. :rolleyes:

Seems you are over paying just to get a few points.

Luckymommyx2 · Feb 26, 2003

Disney credit card....no thanks! :rolleyes:

janetd · Feb 27, 2003

I did fill out the online applicationfor the Disney credit card, but have had 2nd thoughts. Frankly, it's a terrible deal. The rate for most will be 11.5% but much higher for others. The 1% deal is an insult and the promise of doubling points hardly qualifies as a perk because Disney will do this at company convenience and is nothing for the consumer to rely on.

I guess loan sharking is next.

NotUrsula · Feb 27, 2003

This is a serious step down from the value provided by the Disney Club, and I'm not about to be suckered into signing up for it.

I'm hoping that it's a total flop, which it deserves to be. At very least, the rebate rate should ALWAYS be better on Disney purchases, which is the case with every other loyalty card of this type that I have seen.

I'll stick with using my Starwood AMEX for free lodging at S/D.

dzneelvr · Feb 28, 2003

This IS a terrible deal.
Does Disney think we're uneducated in the ways of credit or what?? I'm further disappointed because there is not one "reward" listed that is not purely "manufactured" by Disney.
It may appeal to first-timers, but not us veterans of the vacation world.
Boycott this one, folks !!

:earsgirl:

ohanafamily · Feb 28, 2003

I applied, it is free, and I will pay it off each month. as far as one point per $100, it is a new angle and the number of points to redeem things should be lower by a factor of 100. I will wait until I get the list of perks to say how bad they are.

MHO

:bounce:

raidermatt · Feb 28, 2003

as far as one point per $100, it is a new angle and the number of points to redeem things should be lower by a factor of 100.

With this program, its not actually points, but dollars you are earning.

So if you go buy $100 worth of groceries at the supermarket, you will earn $1 to spend on whatever Disney locations accept these "dollars".

Basically, its a 1% rebate on everything you charge.

As I've said on other threads, I agree that the apparent lack of straight-up discounts is a big negative. Both the DC and AMEX White Glove program had discounts.

However, the rewards portion seems to be on a par with most other rewards programs, and you can get some good value out of it if you pay it off each month, or if the rate is no higher than what you currently pay.

I agree however, that the DC definitely allowed more people to get benefits.

KNWVIKING · Feb 28, 2003

"I'm further disappointed because there is not one "reward" listed that is not purely "manufactured" by Disney"

How is this different then any other rewards card. Delta "manufactured" their miles. GM "manufactured" their 5% rebate towards a car purchase, Starwood's "manufactured" points toward stays in their hotels. What should Disney have offered, passes to US/IOA ?

The 1% rebate is pretty much standard CC reward perk. What I'm interested in are the other vacation discounts they mention without going into details. We may find them to be as usefull as some of the DC discounts.

Right now my DC card annual fee was offset by my AP purchase. The new CC card has no fee,so in affect it hasn't cost me anything. The majority of the WDW perks I get are from my AP's and DVC membership.

ohanafamily · Feb 28, 2003

Matt, they are "Disney Dream Reward Dollars", which may or may not have any relation to real dollars. An AP may only cost 50 Dream Reward Dollars (just a number I picked out of the air) which is equivalent to 5,000 in purchases. Again, I will wait until I see the redemption schedule to judge how bad a deal it is. They also have special member bonus offers. This might include APs, and the things that they gave us with the DC/MK card. The card is free, so I will let them spend money on me. Worst case scenario, I cancel the card and frame it! More probably I will keep it (if for no other reason than to make them send me a statement every month with no purchases on it...this costs them)

BTW, you can call the privacy line now and they will let you opt out. I was told by them that you have 30 days to opt out before they start giving out you information.

:bounce:

BCVOwner2002 · Feb 28, 2003

Does anyone have the privacy opt-out number?

raidermatt · Feb 28, 2003

1-800-869-9638

ohanafamily · Feb 28, 2003

Here you go matt,
1-800-869-9638

BTW, this is the number for my checking account as well. I think you can change the privacy for any BankOne account.

Affiliate Information Sharing: Bank One, Delaware, N.A. is part of Bank One Corporation. We and our Bank One Corporation affiliates may share information about you among affiliates in order to offer products and services of interest to you. If you would rather we not share information from your application, credit bureaus or third parties, please call us at 1-800-869-9638. For more information about our information handling policies, visit us on the web at: http://www.bankone.com and click to view our Privacy Policy.

d-r · Mar 1, 2003

Frankly, we were doing better when Amex was the official card. Amex has a one point per dollar spent, and you can use those points on Disney things like breakfasts, tickets, etc. It wasn't a great return rate, but it had to be as good as the 1%. Plus there were Amex discounts at world of disney that was a good deal, some dining discounts, things like cirque, the WATER CRAFT discount that I really LOVED, and those kewl fanny packs / lanyards. When you combined it with Disney Club, which to renew cost like $20-$30, you got the disney magazine, the ticket discounts which were worth the price right there, wdw discounts, and the 10% discount at disney store (not that dvc doesn't do that, or that there is anything there to buy, but it was nice to have).

But beyond the fact that it is hard for me to see that this is better than what we had before, what is really insulting about it is all the talk about the rewards programs coming out for frequent customers. This doesn't seem like much of a rewards program, and certainly not the type that was described (the Peter Pan fan gets Peter Pan coupons or whatever). We've been screwed. I've said it before, and I'll say it again, I think it is a bunch of crap.

ohanafamily · Mar 1, 2003

D-R, while you are probably right, I am on record as saying that I want to see the details...I still want to see the proof in the pudding, not on the stain. As I posted earlier, a Disney Reward Dollar is not a Dollar. IF they are redeemable on a 1 for 1 basis with real dollars, and no special kudo for using them, it would be a very bad deal. If there were no additional bonuses for having the card I will tell people not to bother. I ordered one for DW and me. when I get the card benefits package (not just the one page ad that describes a few key points) I will figure out just how much it is worth, or will cost, to use that card.

IMHO a little patience is better than flying off the handle...
Know thyne enemy and keep them closer than your friends.

:bounce:

HorizonsFan · Mar 1, 2003

Until I KNOW that I'll be able to redeem "Dream Dollars" for park passes other than UMP (my guess is that they'll only be good for UMP's), I'm not going near it...
My AA Card is earning me lots of air miles that save me money on Disney trips.

ohanafamily · Mar 1, 2003

OK, DW and I were doing a bit of math. APs are $392+/- that would mean if it were a 1-1 reward dollar to dollar "value" you would have to spend 39,200 per pass. PAPs are $519+/-, so $51,900 spent for one of those. I think not. Uncle mike isn't that stupid. He might be that greedy, but not that stupid. I still have dreams of discounts (even if purchased with the card)

:bounce:

d-r · Mar 1, 2003

Originally posted by ohanafamily
I still have dreams of discounts (even if purchased with the card)

Then it really sucks for some poor schlep who could have joined the disney club, but doesn't have the credit history to get the new card.

Disney Visa accepting applications on-line!

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