idk i haven't had a problem at all and we've been booking using the disney visa card for years.
when i book i put my $200 down payment on it which i then have 6mos 0% interest to pay off and then just before my 45 days comes i pay the rest of the trip off using the disney visa card and i have 6mos 0% interest to pay that off.
idk what else to say.