disney visa

[peachgirl]

"Payments and credits are allocated to balances with lower Annual Percentage Rates (APRs) (such as promotional APRs) before balances with higher APRs except promotional balances on qualified Disney Vacation Club or Disney vacation package purchases."

I believe what they are saying is that if, for instance, you charge a vacation package at 0% interest, have a balance that is a promotional rate on another amount, and then charge at the regular rate, they will apply your payments to the vacation package balance first...then the lower rate balance, then any charges made at the standard rate.

There have been several people who have posted complaints because they didn't realize that it works this way and were unpleasantly surprised when they found that they were having to pay interest on any charges they made after using the 6 month 0% interest offer.

If there's any doubt, I'd advise calling them before charging any purchases after putting a vacation package on your card. I don't know of a cc company that doesn't apply payments in this same manner.

 

[javaj]

If there's any doubt, I'd advise calling them before charging any purchases after putting a vacation package on your card. I don't know of a cc company that doesn't apply payments in this same manner.

I agree that anyone looking to use the card in this manner should call and verify. I wasn't aware of other credit card companies that did this either -- until this one. I didn't take advantage of the 0% for the vacation package, but I considered it for a DVC downpayment, so I did call and verify that it worked that way. Payments would be applied to the promtional balances (if any balance transfers or such), then regular purchases, then DVC/vacation package purchases at the 0% promotional interest rate.

Anyway, it didn't matter anyway since we decided not to buy into DVC until we have the cash for the whole thing (but that's another topic altogether).

 

[peachgirl]

I didn't realize that you had called on this, I'm going to double check mine as well!

I just put a DL vacation package on my card and while I have another account that I'm authorized to use, I'd prefer to continue to use my own card. I plan on paying the vacation off long before the 6 months, but it would be nice not to worry about which card I use until I do pay it all.

Thanks for the details about this.

 

[TheDuckMan]

If ANYONE getting the credit card gets the passholder exclusive backpack and wants to sell it email me because I trying to find one for my sister before we go in October.......

I bought one off of ebay but there havent been anymore since......