Disney visa card

[KristiMc]

just a heads up re the 6 months interest free thing - after 3 or 4 months of carrying over your cruise balance interest-free, chase "helpfully" (their words) starts applying any payments to that interest free portion of your bill.

so, if you do not normally carry a balance, and you pay your new charges in full, they will apply that payment to the interest-free cruise charges instead of the new charges, and you will get charged interest on your new purchases.

basically, if you normally pay your bill in full each month, you only get 3-4 months interest free, rather than all 6.

i don't remember the exact time frame (3 or 4 months) because i'm so paranoid about it i make sure to pay my cruise charges off in 3 months. you can call and ask them which statement they'll start applying payments to the interest-free portion first, though, and they should be able to tell you.

between not really getting 6 months interest free, and now the credit being limited to drinks (which i don't generally buy onboard, since soda is free anyway), the value of the card is really going downhill as far as cruises are concerned. still worth it for the disney dollars, but the perks are definitely eroding.

It is 4 months. Basically 2 months before your 6 months is up they will apply any payments to the 0% portion. We have two different DV accounts just because of this. One that we use for all of our daily charges and pay off every month and one just for our trips so that we get the full 6 months.

 

[darkwing818]

For Disney Purchases including Disney Cruise Line, twice the Rewards on a Regular Disney Visa...

For significant purchases like that, those Rewards ADD UP FAST!

IMO, well worth the $49 annual fee...
I just UPGRADED MINE.. Had a promo, $50 back in Rewards...
First year of annual fee, just "negated" by the promo of $50!

I've gotten the $50 promo twice upon my annual effective date. To get the 50 reward $s we had to spend a certain amount of $$'s within a 2 or 3 months of my renewal date. Jerseygal is right a few cruises & our DDs college tuition plus room & board and the Reward $$'s "Add Up Fast".

 

[karmacats]

It is 4 months. Basically 2 months before your 6 months is up they will apply any payments to the 0% portion. We have two different DV accounts just because of this. One that we use for all of our daily charges and pay off every month and one just for our trips so that we get the full 6 months.

nice! that's the smart way to do it. i never thought about getting a second card. hmmm......

 

[canyoncam]

just a heads up re the 6 months interest free thing - after 3 or 4 months of carrying over your cruise balance interest-free, chase "helpfully" (their words) starts applying any payments to that interest free portion of your bill.

so, if you do not normally carry a balance, and you pay your new charges in full, they will apply that payment to the interest-free cruise charges instead of the new charges, and you will get charged interest on your new purchases.

basically, if you normally pay your bill in full each month, you only get 3-4 months interest free, rather than all 6.

i don't remember the exact time frame (3 or 4 months) because i'm so paranoid about it i make sure to pay my cruise charges off in 3 months. you can call and ask them which statement they'll start applying payments to the interest-free portion first, though, and they should be able to tell you.

between not really getting 6 months interest free, and now the credit being limited to drinks (which i don't generally buy onboard, since soda is free anyway), the value of the card is really going downhill as far as cruises are concerned. still worth it for the disney dollars, but the perks are definitely eroding.

Hmmm, I guess I had never noticed this. I always pay my bill in full but add a percentage to pay toward the interest free part. So if my interest free amount is $500 but I've added $250 in new non interest free charges I pay $350 and Chase always applies correctly, first to the new balance then to the interest free. I could see where if you are planning to take the 6 months to get the money to pay it off it would be a problem though. I just like to leave most of the sum I've set aside for vacation in an interest making savings (it's not much but $5 is $5) a few months longer, but I do always already have the money. Good to know as I planned on letting my aunt put her balance on here too to earn more but now I will definitely ask for her money in advance.

 

[DLW8]

just a heads up re the 6 months interest free thing - after 3 or 4 months of carrying over your cruise balance interest-free, chase "helpfully" (their words) starts applying any payments to that interest free portion of your bill. so, if you do not normally carry a balance, and you pay your new charges in full, they will apply that payment to the interest-free cruise charges instead of the new charges, and you will get charged interest on your new purchases. basically, if you normally pay your bill in full each month, you only get 3-4 months interest free, rather than all 6. i don't remember the exact time frame (3 or 4 months) because i'm so paranoid about it i make sure to pay my cruise charges off in 3 months. you can call and ask them which statement they'll start applying payments to the interest-free portion first, though, and they should be able to tell you. between not really getting 6 months interest free, and now the credit being limited to drinks (which i don't generally buy onboard, since soda is free anyway), the value of the card is really going downhill as far as cruises are concerned. still worth it for the disney dollars, but the perks are definitely eroding.

I have never had this happen and I do wait the entire 6 months to pay off the 0% balance. We pay the rest of the card in full and when the 6 mints is up, pay off the 0% balance, never had any finance charges on the "regular" balance...

 

[mathgeek]

This is from the Disney Visa Rewards website:

$50 Onboard Credit on a Disney Cruise4
Receive a $50 onboard credit when you pay for your Disney Cruise Line vacation in full with your Disney Visa® Card and mention this offer. Call 1-800-257-2024 or your travel agent to book a Disney Cruise Line vacation and ask for booking code DCC.​

and the fine print (highlighting is mine):

4. Must use your valid Disney Visa Card to book a Disney Cruise Line vacation for sailings through 12/30/2015 to receive a $50 onboard credit good towards beverages. Call 1-800-257-2024 or your travel agent to book a Disney Cruise Line vacation and ask for booking code DCC. Offer must be requested at time of booking for new bookings only. The onboard credit is per stateroom for each stateroom paid in full with your Disney Visa Card. Offer is valid for up to two staterooms. Any unused portions are non-refundable and non-transferable. Cannot be combined with any other offers or discounts and is for personal use only. Offer subject to change or cancellation without notice. Ships’ Registry: The Bahamas. Chase is not responsible or liable for fulfillment of this offer.​

As to exactly how it will work? Since cruises through this year are under the old offer that wasn't restricted to beverages, nobody has experience yet to say. I would guess "beverages" means any since it isn't further defined -- alcoholic drinks, sodas served at a bar or from room service, specialty coffees at Cove Cafe, smoothies... but we'll have to wait and see.

I'm curious to know how this will work if one orders drinks at Palo or Remy. Will those charges be able to be applied to the OBC?

 

[lanejudy]

I'm curious to know how this will work if one orders drinks at Palo or Remy. Will those charges be able to be applied to the OBC?

Presumably any beverage with a cost associated -- MDRs, Palo/Remy, bars or lounges, room-service, etc. I don't believe it will cover any beverage packages purchased in advance (water delivery, etc.) because that doesn't funnel through your onboard account. However, since this new policy doesn't go into effect until the first of the year nobody can report how it's working. Seems odd to me, but DCL must have a way to direct those charges to that particular OBC amount. I've never heard of any other OBC being specifically directed to one type of purchase, so I'm interested to hear how it's working in January.

Enjoy your cruise!

 

[SDGoofy]

I've never used my Disney Visa for the cruise. The $50 credit + 1% back in Disney Rewards isn't all that much. I can make much more by charging to my AMEX that gives me 2% back on the cruise (with no strings / restrictions attached).

I think the Disney Visa would get more use if they increased the benefit because I'm sure many people do what I do.

 

[MommyAJof2Girls]

I thought there was a better benefit of paying with my card but found going through my local CU was easier and more rewards.

AJ

 

[jerseygal]

I've never used my Disney Visa for the cruise. The $50 credit + 1% back in Disney Rewards isn't all that much. I can make much more by charging to my AMEX that gives me 2% back on the cruise (with no strings / restrictions attached).

I think the Disney Visa would get more use if they increased the benefit because I'm sure many people do what I do.

MORE BANG for your buck with Disney Premiere Visa Card..2% Rewards Disney Purchases, Restaurant Purchases, Gas...Just upgraded my regular card
and got a $50 Reward for doing so which negates annual fee of $49...

Like the 2% Reward categories especially for big Disney Related purchases like Cruises!