We purchased annual passes using the gift card/Target Red Card method a few weeks ago. I had to consolidate down to one card using disneygiftcard.com. The only problem I ran into was our red card is not credit, but linked to our debit card and there was a daily limit imposed by Target. It turns out because we just got our red card our limit was low and should increase with use. I called the number on the card and they had me get the cashier to suspend the transaction so the red card representative could manually apply the discount so I could use my actual debit card directly. It did take some time as the store only carried $50 cards. I went to the Disney gift card website and consolidated $1,000 to a single card, purchased one annual pass and then repeated for the next pass. One thing that helped keep everything organized was that I was able to find one card at the store that was blue while the rest were red, allowing me to easily identify the card that I was adding the others to. I will be buying more gift cards for each visit and adding the balance to one card for use while on property.