I have a question about the Disney Visa card

[DisneyFansInLINY]

I have been a cardholder for a number of years now and still have no idea how the points work. I understand that I earn 1% of all of my purchases. However, I am confused about one thing. I pay my bill in full every month. Am I earning the points on my balance that is due for the month or am I earning points for the previous month's balance that I have already paid? To be more specific, my billing cycle ends on around the 20th of every month and that is when my bill for the previous month is available. The bill states the number of new points I have earned. However, I am not sure if these points are for my new purchases or for the balance that I paid last month. I need to know because we are going away on January 29 and I have made purchases this month that will show up on my Febuary statment. I have already paid my bill for January in full. So I am not sure whether or not to pay my current balance in full before it is due to ensure that I get the new points before we leave for our trip.

 

[powelweb]

Points are earned on your monthly purchases, and post to your monthly bill for that month. You can only use your points after they appear on your statement.

Points are not tied to your payments, but they are based on net purchases, so if you return an item, your points will be reduced by that amount the following month.

 

[DisneyFansInLINY]

Thank you. I thought so but I wasn't sure as I am always paying my bill ahead of time so I confused myself.

 

[TaraPA]

We did that once, paid off the bill early to try & get the maximum points for an upcoming trip, but they don't base it on when you pay. You will not get the current points until the cycle is ended, no matter when it was paid off.

Enjoy spending your points on your trip!