Be aware though that Chase (who issues the Disney Visa card) changed how they post payments to your account back in February I believe, and it has the potential effect of effectively shortening the 0% period from 6 to 4 months and causing you to incur unexpected finance charges. There is a long thread in the Cruise forum if you want to read more about it. The change is especially impacting folks (like us) who have both current charges and promotional charges outstanding on the card. We've since stopped using the card for non-Disney charges until we get our promotional balances paid off.