Disney Visa Perks

[DaveStroem]

You could also use your KTTW card and then pay it off with your DDRD card. But I would bet that they would take it just fine.

 

[InfernoGirl]

One quick question because we have this card but have been thinking of trashing it except for those Disney Dollars. We are finally in the spot that we can pay it off if we use it wisely at the end of the month but after what we did to get there, we really just want the attitude of if we dont have cash then we dont need it.

I think the biggest hang up is the APR% of 25, in the first couple of pages someone mentioned a rate of 5, is that even possible and is there any secret to get ours lowered even more? I called they dropped it 2% and then humg up, very rude!

 

[taylor3297]

Yep, just hand them the card just like you would your VISA or your KTTW card. Not sure if you can use your DDRDs everywhere (Jellyrolls comes to mind and possibly the Laundry restaurants such as Rainforest Cafe/T-Rex -- but don't quote me on those) but I would bet that every DDP restaurant would take it.

--Kevin

Thanks for the info. I am going to write it down in my planning book.

 

[DaveStroem]

One quick question because we have this card but have been thinking of trashing it except for those Disney Dollars. We are finally in the spot that we can pay it off if we use it wisely at the end of the month but after what we did to get there, we really just want the attitude of if we dont have cash then we dont need it.

I think the biggest hang up is the APR% of 25, in the first couple of pages someone mentioned a rate of 5, is that even possible and is there any secret to get ours lowered even more? I called they dropped it 2% and then humg up, very rude!

I got the card just for the meet & greet at Epcot. So even if you no longer use the card, you can still take advantage of this perk.

 

[johnlal]

One quick question because we have this card but have been thinking of trashing it except for those Disney Dollars. We are finally in the spot that we can pay it off if we use it wisely at the end of the month but after what we did to get there, we really just want the attitude of if we dont have cash then we dont need it.

I think the biggest hang up is the APR% of 25, in the first couple of pages someone mentioned a rate of 5, is that even possible and is there any secret to get ours lowered even more? I called they dropped it 2% and then humg up, very rude!

Chase is really bad about accommodating good customers who may have been late or over their limit once or twice. They will find any reason to increase your rate to the punitive levels over 20%. I've also heard reports of "universal default", i.e. even if you have a perfect payment record with your credit card company, a late payment or other bad credit mark on any other account, such as your mortgage or another card, can be used as a default on your credit card.

Calling usually does not help. I have a suspicion that all customer service calls are handled by an out-sourced call center rather than credit counselors. If you ask them to lower your rate, they have to look at a computer to see whether an "offer is available", meaning they have no discretion, and they have no authority do do anything for you. They won't let you talk to anyone who has authority, so you're stuck. They usually tell you to string together a perfect payment history for a year before they'll lower your payment.

I've had more luck writing to them on e-mail. It seems like it gets to people with the power to do something. Also, if you want your rate to be reduced, do what you can to pay it down, and STOP using it. If Chase sees that your are not using your card, and if it appears that you intend to pay it off and take your business elsewhere, they might get fidgety and offer you a deal.

Watch out with any credit card. Any deal they make, like rewards or perks, is calculated to entice you to use the card and accumulate a balance on your card. They know that it works for a large percentage of card holders-- or else they would never do it. If you have had credit problems before, it's not worth the 1% rewards to get into trouble again.

I'm no credit card expert, but that's my two cents. I've been there. A lot of us have.

 

[wendy1974]

It's good if you don't carry a balance but if you do it's totally not worth it to use as your "main" credit card. Especially since they just went up on finance charges, ot at least Chase Bank did. I notices my average minimum payment last month went up $28 dollars above previous months even though my balance was lower. I called them to try to get them to lower mu finance charges since I've been a Disney Visa cardholder since day 1 and have never been late on a payment. Basically I was told "no way in hell". They told me it was out of their control because it was Chase that went up on it's finance charge and it didn't matter how good of a customer I had been.