Disney Visa Questions - Pay over Time, Spa, and others?

[Ohmymonty]

So, I opted to get the Disney Premier Visa card ahead of booking my most recent cruise because 1. I'll be stopping at the parks ahead of the cruise and figured the discount in store wouldn't hurt, 2. this 0% interest for 6 months for disney vacations really convinced me to pull the trigger on both the card and the cruise.

For any of you who have the Disney card, maybe you can help me out. I see that my WDW tickets are marked "Pay over time" in the app, so I know those qualified as the 0% for 6 months. However, my DCL reservation charges are not marked "Pay over time." Considering this 0% for 6 months was a perk of having the card, I'm a bit disappointed to see that. I can even see in the transaction details in the app "+2% earn on purchases at Disney locations" so I know it recognizes that it's Disney related. Have any of you run into this? I called Chase when I noticed and they said they couldn't do anything until the statement comes out, but they supposedly made a note on my account for when I call again.

Also, when I was searching the forum to see if this had come up before, I saw some mention of spa discounts on port days for Disney Visa members? Does anyone know if that's still happening? If it is still happening, do we know if it works on Embarkation day or just the ports you hit on "full" cruise days?

And then I guess it's worth asking just in case, are there any other benefits other than the 10% off purchases over $50? I thought that was it, but figure there's no harm in asking.

 

[meremac]

Pay over time is different. That's an option with Disney VISA that allows you to pay for ANY charges (not just related to Disney) over a certain amount over time for a monthly fee that is lower than the amount you would likely spend on interest for that purchase. Payments made toward any Disney Vacation (including WDW and DCL) qualify for the 0% interest rate. When you go to make a payment on your card online, you'll see a couple of options: pay total balance, pay statement balance, or pay interest saving balance. The interest saving balance is everything that doesn't qualify for the 0% financing.

 

[lanejudy]

The Disney Visa has 2 options for "pay over time".

• One is when you book a "package" with at least $100 deposit/payment it should automatically qualify for the 6-months 0% interest. It should show on the monthly statement, I don't recall how it shows online. This is the offer WDW highlights. NOTE: this applies to "packages" (which includes a cruise) and WDW tickets purchased separately from a room nor does room-only qualify.
• Second is any purchase over $100 allows you to set a payment plan for that, with no-interest. I honestly have not done this -- it keeps flagging my groceries to pay over time. I think this may be what you are seeing in your online account.

 

[Ohmymonty]

Oh, okay. I guess that makes sense.

Still seems a little weird that the DCL reservation (definitely over $100) was not marked Pay over time? Maybe that's the clue that it's at 0%? So there's no need to do a Pay over time plan yet?

 

[lanejudy]

You don't need to set-up the Pay Over Time plan for the DCL reservation. It automatically qualifies for 6-months 0% interest. The charges that have the "Pay over time" option are part of the "My Chase Plan" and not the Disney offer. I have a recent charge of $299.70 which I could do a Pay over time and split into 9 payments of $33.30.

My Chase Plan® lets you pay off a purchase over time in fixed, equal monthly payments. There's no interest for this purchase once it's placed in a plan, just a fixed monthly fee. You can also calculate your plan options for a purchase of $100 or higher before you make a purchase.​

The Disney vacation financing offer is set at 6-months and only "packages" qualify. If you are seeing a "Pay over time" option for WDW tickets, that is NOT the Disney vacation financing offer but you can set a plan to pay those off (it might give you 3-month, 6-month, or 9-month options?).

 

[lanejudy]

This is the details of the Disney Visa vacation financing offer:

How to Finance a Disney Vacation with Your Disney® Visa® Credit Card​

Receive a promotional APR of 0% for 6 months on select Disney vacation packages, Disney cruises, Adventures by Disney® packages and Aulani®, A Disney Resort & Spa, vacation packages from the date of purchase with your Disney® Visa® Credit Card when booked through the Walt Disney Travel Company, online at Disney sites or through other eligible travel agents or sites. Your standard purchase APR will apply after the promotional APR expires.​

You don't get to set the length (though you can pay it off in less than 6 months) nor do you need to set a monthly payment amount. As long as you pay the regular balance each month, you don't actually have to pay any amount towards the vacation financing offer. Just be aware that if you have any returns or credits, those amounts will automatically be put towards the vacation financing offer, not necessarily offsetting a specific purchase. (If you buy a TV then return it, the return credit goes towards your vacation and you still have the charge for the TV on your regular balance.)

 

[koala1966]

As others said, that 0% over 6 months will happen automatically, but you won't see it until that statement comes out. It shows up under the section Qualified Promotional Financing, and will show on every statement until the promotional period expires.

The ones marked pay over time don't have the promotion automatically applied, those you can choose to set up under the "my chase plan". Room only reservations and tickets or charges not part of a package won't auto qualify.

 

[Mommb]

I have used my Disney Visa to pay for cruises over 6 months, as described above, for many years. Note that each payment generates a new 6 month period before interest is charged for that amount, so you may have more than 1 interest-free balance shown on your statement at a given time with different dates when interest will accrue if the balance hasn't been paid.

I haven't used the discount on spa treatments onboard, so I'm not sure whether it applies on embarkation day.

As far as other card benefits, I don't know of any on the cruise (beyond the 10% shop discount). There were other benefits in the parks, though. Several years ago, there were character meets in Epcot and Disney's California Adventure available only to Disney Visa holders. Cardmembers then got a free photo with the character. I don't know if these are or will be coming back.

Park discounts apply not only to shops, but also to tours and many restaurants, so it's worth asking about Disney Visa discounts any time you use your card.

 

[auntlynne]

Be careful - Pay Over Time may have have no interest, but it does have a monthly fee. So you are paying more than the purchase price of the item.

A Disney cruise vacation is 0% interest for six months. You can pay any or all of it at any point in the six months. If you do not pay it off in time, be prepared to have interest accrual begin from the date of purchase (standard procedure in credit cards - but I am still looking for the fine print).

Here are the current discounts for the VISA card:



Make sure that you designate your card for billing if onboard charges.

In the past, I would make a room credit gift to my room. As a part of pre-cruise payments, it qualified for the 0%. Pre-paid gratuities, too.

 

[Ohmymonty]

Did your charges from the cruise when they settled your on board account also count for the 6 months? Or just pre-cruise payments?

 

[koala1966]

Did your charges from the cruise when they settled your on board account also count for the 6 months? Or just pre-cruise payments?

Just

Did your charges from the cruise when they settled your on board account also count for the 6 months? Or just pre-cruise payments?

Just precruise charges

 

[Mommb]

Did your charges from the cruise when they settled your on board account also count for the 6 months? Or just pre-cruise payments?

Charges to the onboard account do not qualify for 6 months interest free. However, if you buy a placeholder for a future cruise (or book another cruise, if that ability returns) while onboard, that will qualify.

 

[auntlynne]

Just

Just precruise charges

My Stateroom gift of onboard credit that I make is an estimate of what I will spend. It is refundable, so any unspent funds go back to original form of payment - like the credit card.

This is not necessary - just helpful if using the six months to pay off the cruise. I can do a fairly close estimate of what I send onboard, thanks to lots of cruising. Pretty much works for any cruise line. It helps that I am not a souvenir person.

 

[lanejudy]

If you pre-purchase an amount of credit before the cruise, that will qualify for 0%. But otherwise charges settled onboard do not.

Be careful - Pay Over Time may have

I assumed that as well until I looked at it this afternoon. I shared an example above: charge of $299.70. Pay over time offers me a 9-month payment plan of $33.30 per month. Nothing extra in that.

 

[kj2mom]

We were just at Disney and the picture has returned to Epcot. You no longer get the physical print out but it does appear in the app.

Definitely consider using your card to add on board credit prior to your cruise. Whatever you authorize prior will be eligible for the 6 month no interest but anything you charge on board will not. I added up all of our excursions and anticipated expenses and put through a charge for that amount. We still ended up with a small charge from when we were onboard but I have 6 months to pay off the bulk of it which is nice.

 

[auntlynne]

If you pre-purchase an amount of credit before the cruise, that will qualify for 0%. But otherwise charges settled onboard do not.


I assumed that as well until I looked at it this afternoon. I shared an example above: charge of $299.70. Pay over time offers me a 9-month payment plan of $33.30 per month. Nothing extra in that.

I’m taking your word. And like Reagan and the Russians - trust but verify. (Read the fine print.). Not saying you are wrong. Just wondering if they would be that generous with essentially 0% interest on goods, not just Disney vacations. It’s the credit card industry I don’t trust.

 

[lanejudy]

I’m taking your word. And like Reagan and the Russians - trust but verify. (Read the fine print.). Not saying you are wrong. Just wondering if they would be that generous with essentially 0% interest on goods, not just Disney vacations. It’s the credit card industry I don’t trust.

Agree it's always important to check the fine print, but my example is a grocery store charge. It also offered a 3- month and 6-month option though I didn't make note of those amounts. I think the "catch" is that the payment plan amount  must be paid on time each month or it negates the deal.. I don't intend to use Pay Over Time so that's all I know about it.

 

[lanejudy]

So I dug a little further. The "pay over time" option available to most charges over $100 does include a monthly fee. I'm apparently not seeing it because Chase is offering me the first time plan without a monthly fee. But expect a fee, I just don't know how much.

The Disney vacation financing offer does not include a fee and is truly 0% interest when used correctly. In my experience, we always pay our card in full each month so when I'm using the vacation financing offer I simply pay all the "regular" charges in full plus a bit towards the vacation. At 6 months I pay the vacation balance in full.

 

[auntlynne]

Thanks for digging. It‘s the way they word it that made me suspect something.

 

[peteykirch]

So my question is with the 0% for 6 months on Disney Vacation Packages made directly through Disney is how is it calculated?

I have a package that I booked today, using my Disney Visa Rewards card, I made a $200 deposit.

So do I have 6 months at 0% to pay that $200 off, and then when I make the final payment for the remainder of the package, do I get 6 months 0% from the date forward?