Disney visa question

[tinkabella627]

I am sorry if this has been asked before...

If I put something on the card and then pay it off as soon as it posts, will I still get the points? Or do I have to wait for my cycle to end to pay it off? Also, does anyone know if I can pay my mortgage with it and then pay it off as soon as it posts? If this is the case I would do that to start gaining points. TIA

 

[lathamary]

We pay off our Disney Visa every month, and we get the points.

We've looked into paying our mortgage with it, but we're not able to. That would be a fantastic way to rack up points, though!

 

[kathyell]

Many mortgage companies won't accept a credit card as a payment. (Mine won't.) I keep getting (though I keep asking them to stop) those checks that you can write as a normal check but they are added to your credit card bill instead for another credit card I have. I suppose you could inquire with Chase to see if they provide checks you can use with your credit card account, you could write one of those out and send it in to your mortgage company. I don't know if Chase does anything like that, though.

(And yes, the previous poster is absolutely correct about your other question. I've never carried a balance on our Disney Visa over to the next month and we got points for all of our purchases.)

 

[tinkabella627]

Hmm I kinda figured they wouldn't let us pay our mortgage. So, let's say I charge $200 today and it posts in 3 days. I can pay it that day and still get the points?

 

[ChelMomto5]

Hmm I kinda figured they wouldn't let us pay our mortgage. So, let's say I charge $200 today and it posts in 3 days. I can pay it that day and still get the points?

I do this all the time. I charge something to my Disney Visa and as soon as it posts, I pay it off online. I get the same Disney Dollars. I never wait for the bill to come due and I never carry a balance. HTH

 

[tinkabella627]

I do this all the time. I charge something to my Disney Visa and as soon as it posts, I pay it off online. I get the same Disney Dollars. I never wait for the bill to come due and I never carry a balance. HTH

thank you that is exactly what I was meaning

 

[saraheubanks1]

If I were smart I'd put everything I could on that card, and then pay it off every month, but I'm just scared I won't.

 

[tinkabella627]

If I were smart I'd put everything I could on that card, and then pay it off every month, but I'm just scared I won't.

I know I would too but I get so worried I will forget to pay it immediately and then have a huge bill at the end of the month. I know I am responsible but things can get hectic lol

 

[DVCBELLE]

Chase has those checks and I thought about using them but the charge a service fee on them that would negate the points....

 

[Magix]

You wouldn't earn rewards on those checks, anyway.

 

[mistysue]

Chase will do automatic payments. I put everything on a card, then put the money to pay it off in savings. It then automatically deducts the statement balance on the due date. This means for most of my charges the money sits in savings collecting interest for around a month. Now I get the interest and the points.

 

[eandt]

Just be disciplined and pay it off in full every month no matter what. We got rid of our credit card balances about 20yrs ago and have never looked back. We use our disney card for gas/groceries/restaurants etc but pay it off in full every month. We have accrued thousands in points over the years that we have used on our yearly (at least) trips to WDW. The nice thing about Chase too is that at the end of each year they give you a breakdown of where you spent your money which makes preparing taxes a little easier. Another little thing Chase added to their bills is a "payoff" example....for instance it shows if you pay the minimum payment every month on a balance of $1700 it will take 17 YEARS TO PAY IT OFF!!! If you double your payment it takes less than 3. Really brings into perspective how people can be swamped in debt so quickly. We pay all of our CC off every month but it was still an eye opener.

 

[Sagginit]

i put almost all of my shopping on my card and two bills. i pay off whenever and whatever i feel like but my balance is always gone at the end of the month and im still racking up the points. ive found having most of my expenses billed to one card helps to track spending and i also get those points so its a win win. i had a generic points card and it took me twice the amount of time to earn a giftcard as with this card.

 

[jocotter]

We buy everything we can on the card from groceries to new carpet to tuition or car repairs. I immediately write it in my check register and deduct the amount. About every 3-5 days, I go online and pay them all off and never carry a balance. It works out for us, because we haven't bought park passes in years, plus we always have extra to spend at the parks.