Hi, I feel like I am a little late to the party here. I just opened a Chase Disney Visa and will get the promo of $200 Gift Card for spending $500 in 3 months (we put 100% of our expenses on credit cards and pay off monthly so that will be very easy for me). Does anyone know if I spend $500 in the first month do they then issue the card? We are going on a cruise and 2 days on property in Spring and I am wondering if I should budget to have that $200 for spending. I also went to Sam's and bought some gift cards. I wanted to use the gift cards for on board spending (excursions, tips, honestly I don't know since I have never cruised). I think I may have overbought gift cards so I read in another post you can load gift cards to a "Disney Vacation Account". Can anyone tell me more about that? Or is it safe to hold on to the gift cards in a safe place, do they ever start depreciating? Also I have paid for my first half of my on property room (2 nights) on a credit card, can I put the rest on a gift card or is it better to use my Disney Visa when I get that? Thanks!!! This is all new to me as we are normally just a "pay for it on our one card and go" type family.