LisaS
DIS Legend
- Joined
- Feb 7, 2005
- Messages
- 11,352
No. I view it like this: If we pay in full in January we are paying in advance for the whole of 2015. Disney gets our share of the cost of running the resort throughout 2015 in a lump sum in advance. In exchange for this, they allow us to pay with a credit card which earns us rewards but costs Disney 2%-3% of our dues money.
If we pay monthly, I see it as "paying as you go": we are giving Disney the money as it's needed to run the resort over the course of the year, so it would be hard to justify charging us interest. But in exchange for this, they need the money right on time so we have to pay via an auto-debit from a US bank account. We cannot pay by credit card in this case so we give up any credit card rewards and Disney avoids losing 3% of the money.
You can also do a bit of both. You can set up the monthly payments and then at any time during the year you can pay off the balance with a credit card. This can be helpful if money is tight in January due to holiday bills or other large annual bills that must be paid in full in January. Then sometime later in the year, pay off your balance and earn at least some credit card rewards.
