Oh, and I am super bummed I wasn't eligible to receive some onboard credit for the cruise by booking the trip on my Disney Visa. Turns out the deposit was placed on a separate card before I got the Visa. I at least have 25 credits from a promotion when booking.
How soon before the vacation should I redeem my points to use onboard. I read somewhere that I'd have to redeem them so far in advance. From using my Visa card I mean.

So sorry, I tried to write this message 3x this week but my internet has been atrocious!!
I assume you mean your Disney Rewards Card from your Disney Visa? If so, then this is what you need to do:
Go ahead and order your rewards card (you can go to your account online and do that). Used to, you had to have a minimum of like 25 points (dollars) to get one ordered I think, but not so sure of that now. Anyway, THIS part of the process is what takes so long....receiving it.
Then, at any point, you can go online and instantaneously add your points to your card. Now, sometimes it takes a while for them to credit your account (if you've joined one of their promotions like the 3x's or 5x's deals), so if you have your 'card' in hand, once you see it credited to your account, you go and 'transfer' your points to your said card.
Remember though, there is an expiration date for each Rewards card, so load your dollars appropriately. Ex., last year, we went to the world, and had a leftover of a few dollars, but our card expires the end of this year. So we WILL load all our points up before the cruise, because we KNOW we'll spend it all due to excursions and all on the cruise! If you're not going to spend it all, before the expiration date, don't load it all!
And I would copy or print the page where it says how many points (dollars) are being transferred...we actually got to the world one year and even though we had 'loaded our points' on the card; the card showed no balance. So, when we got home, we had to call DRV and get them to handle it.
I hope this helps, and if you need anything else..you can ask here or check the Rewards site!
