disney visa

[jessie32]

hi,
i just got my disney visa c/c.my very first c/c.i wanted to pay bills so i can start earning points.do you what bills i can pay with them.and how to do it?i have never done this before.i will pay it off befor the end of the month.thanks for your help...

 

[mad4themouse]

You can pay any bill that will accept VISA for payment. Doctor's bills, cell phone, electric company, insurance. They even sent an insert in my last bill that says we can pay our state and federal income taxes with it!

 

[jessie32]

DO YOU SEND IT IN OR DO YOU CALL THEM?I HAVE BEEN TOLD NEVER PUT C/C ON THE INTERNET.I REAL WANT TO EARNING REWARDS.WE ARE GOING IN 3 YEARS WE JUST WENT AND HAD A GOOD TIME SO WE ARE PLANING A TRIP AGAIN FOR OUR 15 YEAR.CAN I HOLD PONTS UNTIL WE GO.IM REAL SCARED THAT WE ARE GOING TO CAUGHT UP IN C/C.MY SISTER GOT ONE AND THEY ARE IN BIG TROUBLE WITH THEM SHE NOW OWES A LOT OF MONEY.I DONT WANT TO DO THAT.BUT I GUESS AS LONG AS I PUT THE MONEY RIGHT IN THE BANK THERE SO BE NO TROUBLE.HOPING I CAN DO THIS.THANKS FOR YOUR HELP...

 

[disneychrista]

I would go to the company that you want to pay website and see if they offer online bill payment. Using a CC over the internet is not less secure (when it is a known company) then it is to give it to a live person on the phone.

I use my Disney Visa for all my day to day purchases and any bills that I can. Then I pay it off each month. The best way to do this is to track your purchases in a check register so you keep a running balance just like you normally would.

 

[ceecee]

Just make sure you pay it off every month. Sometimes it can be tempting to charge something you want knowing you can pay later. Just remember if you have to pay that high interest rate that takes away any rewards you accumulate!

 

[EsmeraldaX]

Originally posted by jessie32
DO YOU SEND IT IN OR DO YOU CALL THEM?I HAVE BEEN TOLD NEVER PUT C/C ON THE INTERNET.I REAL WANT TO EARNING REWARDS.WE ARE GOING IN 3 YEARS WE JUST WENT AND HAD A GOOD TIME SO WE ARE PLANING A TRIP AGAIN FOR OUR 15 YEAR.CAN I HOLD PONTS UNTIL WE GO.IM REAL SCARED THAT WE ARE GOING TO CAUGHT UP IN C/C.MY SISTER GOT ONE AND THEY ARE IN BIG TROUBLE WITH THEM SHE NOW OWES A LOT OF MONEY.I DONT WANT TO DO THAT.BUT I GUESS AS LONG AS I PUT THE MONEY RIGHT IN THE BANK THERE SO BE NO TROUBLE.HOPING I CAN DO THIS.THANKS FOR YOUR HELP...

Hi Jessie,

As long as you control, your spending and never put more on it than you can pay off, you should be fine. I think having a c/c is great because in case of an emergency where you need money desperately , you will have it.

I unfortunately have one c/c with a LOT of debt on it , however that debt was accrued because of an emergency (long story) and had I not had the c/c , I don't even know where I'd be...I certainly would not be here typing on the Dis.

But even with that debt, I pay off as much as I can each month, have never missed a payment and don't have any other outstanding debt. I really think you will be fine as long as you keep on top of your bills. Sounds like your sister maybe went on a bit of a spending spree and could not control her spending. This is the worst thing about c/cs. People tend to think they have the $ but they really don't.

Sounds like you plan on using the c/c the right way, to pay off bills you have the cash for, but then use the cash to pay off the c/c . This works good in two ways. ONE, you seem like you don't NEED the c/c to pay off the bills...thus you will not have problems paying it off on time and you will be getting the points from Disney for doing so, and TWO, you will be building up good credit which can help you in the long run.

The only thing I would warn you about is that the points you get on most c/c's with these programs are not alot. It takes a long time and sometimes more spending than you'd like for them to build up to anything substantial. But still, you're basically getting them for doing soemthing you'd be doing anyway...paying bills. And, god forbid you ever need a lot of $$ quickly for something, you'll be glad you have it.

Good luck
Sheri