How do you pay off your WDTC package?

[GirlDreamer]

I just realised that I've no idea how it works. The only thing I know is that you pay a deposit as you book it, and then the whole amount is due a few weeks before you go. But is it like a set monthly payment, or is it up to us how much and how often we pay as long as it's all paid by the final due date?

 

[luvpoohandcompany]

I just realised that I've no idea how it works. The only thing I know is that you pay a deposit as you book it, and then the whole amount is due a few weeks before you go. But is it like a set monthly payment, or is it up to us how much and how often we pay as long as it's all paid by the final due date?

Totally up to you

 

[wayneg]

As above, your choice, you can pay it off monthly or a lump sum on the date due. I always pay on due date and pay by credit card to get airmiles & an extra month to pay.

 

[Magic Megadegs]

Quick question, my lovely friend who is a regular poster on here and regular wdwtc booker omitted to advise me to use the Quidco link when I booked my first trip with wdwtc for this August last year (ahem). I am now clearly a little wiser if not a little lighter in the pocket!

Just wondering whether anyone has ever tried logging into the wdw website via the quidco link and paying off their balance that way. Do you think might register and apply cash back or just if you do the original booking through the link?

 

[wayneg]

I would expect it only to work with original bookings but you have nothing to lose.

 

[GirlDreamer]

Thanks guys We don't have any credit cards, so won't be paying that way. But I'm pretty sure we'll at least pay monthly at payday. That might actually help the savings if the money for the trip is gone out of the accounts. Won't be tempted to spend it on other stuff then

 

[catherine]

I just pay when it becomes due. I figure that I'd rather have the money in my account than theirs!

 

[bex7583]

yep i just set up a seperate savings account and transfer in to that each month so when the balance is due i will have it ready to draw straight out , at least i gain a bit of interest by keeping it in my bank

 

[2Tiggies]

As above, your choice, you can pay it off monthly or a lump sum on the date due. I always pay on due date and pay by credit card to get airmiles & an extra month to pay.

Same and so that the cash for the holiday by that stage has built up over the past months and is sitting happily in an ISA

I prefer not to pay until I need to for a couple of reasons, one of which is if anything went wrong and I had to cancel, I would have to wait for my refund to be processed. For example, in the unlikely event of some problem, and it does happen from time to time, if I had to or wanted to cancel to re-book, I wouldn't have the flexibility to do so until my payments had been released.

 

[mollies_mum]

yep i just set up a seperate savings account and transfer in to that each month so when the balance is due i will have it ready to draw straight out , at least i gain a bit of interest by keeping it in my bank

This is how I do it, it's better you get paid for the interest than Disney! It's also a good way to make sure you are on target with your balance. Hope this helps x

 

[OhanaSam]

We just saved up and paid the other day (ours was due by feb 25th) because I was saving the money in my cash ISA, so I'll get the interest from it

 

[chmurf]

Obviously, it's better (cheaper) to leave the money in your savings account until it's time to pay the balance.

But you can pay as often as you wish by calling WDTC-UK

It's not cost effective though, since you don't get the interests from your savings account.

One reason to do monthly payment would be to make sure you can pay off. Some people just can't keep money in their account, and will spend it no matter what, so they'll find it easier to pay monthly rather than take the risk to spend that money on other things.

Another reason would be if your CC (Debit card actually) has a low payment limit.
My gold Mastercard used to have a £3000ish payment limit over 30 days, which was too low to be able to pay for my balance.
Strangely enough, my bank was willing to temporarily raise that limit for a fee ... £20+ for one month ... but they could also permanently raise that limite for free ...
now I've got a £7000 limit over 30 days, so that's ok, but if I had not managed to get that, I would have needed to pay in installments.

If you have a savings account, and if you can pay in one go, then wait until your deadline.
Let your money work for you and earn you interests, the mouse already makes enough dough

 

[GirlDreamer]

I never thought about getting interest by waiting... That's a good idea. I never have problems saving if I'm motivated enough. And a WDW vacations sure is more than enough motivation I was just thinking that if we get low on cash towards the end of the month, it would be less tempting to take money out of the savings if it's not available. But that shouldn't really be a problem.

So we have to pay the balance over the phone? We can't just get bank details to pay online? I hate making phone calls, so if that's the case, then that's an even bigger reason to pay it all off at once

 

[chmurf]

you can pay online, but you'll need to use a Credit or Debit card. And it can only be for the full amount

all other payment methods or installments must be dealt with over the phone

 

[2Tiggies]

you can pay online, but you'll need to use a Credit or Debit card. And it can only be for the full amount

all other payment methods or installments must be dealt with over the phone

You used to be able to pay any amount online if you had a flight inclusive booking, but only the full balance if it was a room and ticket package. Have they changed the flight inclusive now (it's been quite some years since I booked flights with them)

 

[OhanaSam]

You used to be able to pay any amount online if you had a flight inclusive booking, but only the full balance if it was a room and ticket package. Have they changed the flight inclusive now (it's been quite some years since I booked flights with them)

When we paid the other day for a flight inclusive package it only gave us an option to pay the full balance.