Resort charging limit

[denise5374]

So frustrating! Seems silly to set a resort limit and then put through the charges well before that amount!

It was frustrating! And I wasted a lot if time going back and forth. I don't know if it was a resort specific problem or not, as it seems people at other resorts had different experiences. I wish it would be consistent.

 

[Figmentmommy]

It was frustrating! And I wasted a lot if time going back and forth. I don't know if it was a resort specific problem or not, as it seems people at other resorts had different experiences. I wish it would be consistent.

Consistency! That's funny!

It definitely is an issue across resorts. We were at CSR in December when our folio charges hit much too early - although it wasn't an issue for us since we were using the credit card on file not trying to pay it off some other way. It was just something we noticed and found strange. The year prior at CSR and years before that at POR we were charged once at the end of our stay. Definitely not consistent!

 

[rlovew]

You could just bring the gift cards to the parks and pay with them instead of the magic bands. We always stay DVC and have never reached more than $500 on the card so we have never had it charge before we are checking out. I think when you stay in a regular room you have to put down a card for incidentals but they do not require one if you are staying on DVC points.

 

[spartankid34]

Nope. A credit card or debit card must be on file for charging to your room. You would have to go to the front desk to apply the gift card.

Thank you. Deep down I knew that, but wasn't sure.

You could just bring the gift cards to the parks and pay with them instead of the magic bands. We always stay DVC and have never reached more than $500 on the card so we have never had it charge before we are checking out. I think when you stay in a regular room you have to put down a card for incidentals but they do not require one if you are staying on DVC points.

Was thinking that as well, MBs are so much easier!! Need to think

 

[purple figment]

About half way through our trip our credit card was charged for our room folio which had only accrued about $600 at that point. We were then charged again at the end of our stay for whatever else we had charged - about $300 - which in total wouldn't have ever exceeded our room limit. Others have reported similar experiences.

On another thread someone had the same thing happen and when they asked the CM at the front desk she was told if your charges are more than 50% of the limit and they are made in less than half your stay Disney might put through the amount to your credit card. If this is true I think they should let you know when you check in so that it doesn't come as a surprise.

 

[bluezy]

I was told at AoA on my last 2 trips (2013 & 2015) that they run reports twice a day and put through the charges on those rooms getting close to their limit (I believe they said when they got to be above 75% of the limit) so guests don't have their room charges declined when they're out at the parks. We definitely had that happen on our 2013 trip -- it wasn't a big deal, though. I had gift cards with me so that I didn't have to hold up the line waiting for the cashier to call the resort and get things sorted out.

I usually have gift cards to put towards some of the room charges so I stop at the front desk every day to apply them until they're all used. In 2013, we had 6 people (3 adults, 2 older teens, and one older child) in our suite and no dining plan so we would blow through $500 every two days. When we were there a few weeks ago, I only had a few gift cards to use so I stopped at the front desk on our second day and applied them to the balance. While doing that, I was chatting with the CM and mentioned something about the $500 limit. She told me that it's $1,000 at AoA. I asked her when that started. She said that she had been working there for 4 months and it was always $1,000 since she started. I had reason to stop at the front desk a few days later and asked a different CM what the limit was and she, too, said that it's $1,000 and had been that way for at least 6 months...maybe longer, she couldn't quite remember. When we got our final statement at check-out, I noticed that they put through one charge to our credit card for ~$800 on the 4th day of our stay and then the final day the balance of ~$450 was put through. I don't know if it's $1,000 at all of the Values now or just at AoA because of the suites and having more people in a room.

Still not sure why they have to have different limits at different levels of resort.

 

[mi*vida*loca]

I had credit issues after a divorce a few years ago. The only credit card I have has a tiny limit of $300. I want to charge back to the room and just pay it down daily or every other day with gift cards we have purchased. We won't have the DDP so we will be charging back a lot.

I'll be staying at the Poly and BC so our limit is $1500. I'll pay down often enough with the gift cards so they don't charge my card and get denied. That would be embarrassing.

Do they put a hold on the credit card? Do they run a check on the card first to see how much is available?

I really don't want to be denied to charge to my room. I would hate to have to walk around with my giftcards everywhere I go since I'll have two $1000 gift cards plus cash.

 

[Lesverts]

No they do not put holds on the card. My account had an old credit card number on it because of my card being stolen that I had thought I had updated but it didn't seem to go through to the resort. I had no problems charging but didn't notice that the resorts had the wrong information until I moved to the WL. I fixed it but I shudder to think of what would happen if I hadn't noticed and the Mouse came after me for money.

 

[mi*vida*loca]

No they do not put holds on the card. My account had an old credit card number on it because of my card being stolen that I had thought I had updated but it didn't seem to go through to the resort. I had no problems charging but didn't notice that the resorts had the wrong information until I moved to the WL. I fixed it but I shudder to think of what would happen if I hadn't noticed and the Mouse came after me for money.

Thank you.

I would seriously be traumatized if my charges were denied at dinner. We never take a backup payment method to the parks....except for maybe $20 in cash.

 

[Pkltm]

We had our "declined" and once we hit the 500 they did not charge our card until we either authorized or overnight, the will decline you...

 

[bumbershoot]

e never had it charge before we are checking out. I think when you stay in a regular room you have to put down a card for incidentals but they do not require one if you are staying on DVC points.

The only time WDW needs a cc is to pay off the room or create the charge account. They don't have you put down a cc unless you want to charge to the room. Even if you have to pay the balance they don't automatically create the charge account.

Thank you.

I would seriously be traumatized if my charges were denied at dinner. We never take a backup payment method to the parks....except for maybe $20 in cash.

Take backup!!! If there's one thing my issues have taught us it's to take backups!

You still need your id. You should bring your insurance card just in case the day ends in the er. You should take backup payment in case their system goes down. Only in their earliest marketing stuff did they tell us you would only need the band. Bring your wallet.

 

[mi*vida*loca]

The only time WDW needs a cc is to pay off the room or create the charge account. They don't have you put down a cc unless you want to charge to the room. Even if you have to pay the balance they don't automatically create the charge account.



Take backup!!! If there's one thing my issues have taught us it's to take backups!

You still need your id. You should bring your insurance card just in case the day ends in the er. You should take backup payment in case their system goes down. Only in their earliest marketing stuff did they tell us you would only need the band. Bring your wallet.

I always take a lanyard with my ID, health insurance card and $20. But we've always been on the DDP on previous trips so never spent too much OOP.

I will definitely bring extra cash and/or credit card just in case, now that we will be paying for everything OOP. I don't want to carry my gift cards into the parks. I'd rather leave those in the safe.

 

[mi*vida*loca]

No they do not put holds on the card. My account had an old credit card number on it because of my card being stolen that I had thought I had updated but it didn't seem to go through to the resort. I had no problems charging but didn't notice that the resorts had the wrong information until I moved to the WL. I fixed it but I shudder to think of what would happen if I hadn't noticed and the Mouse came after me for money.

Were you paying your room down with giftcards or cash and not having your credit card charged?

 

[Lesverts]

I did pay down but clearly the card was never tested. I was at a value and the highest the charges got were 300.

 

[SharonZ]

You can use a debit card on file for charging privileges (Visa or MC logo), it doesn't have to be a "credit card."

 

[mi*vida*loca]

I did pay down but clearly the card was never tested. I was at a value and the highest the charges got were 300.

Perfect.

I plan to pay down every other day so the card will never be charged either.

 

[ELSA711]

I absolutely never knew there was a daily limit...this is good to know for my next trip

 

[thiee]

I am familiar with/I have read about the charging limit varying depending on the resort class you are staying at. I believe it is $500 per day for value resorts?

If I have two rooms booked for a large family vacation, will the spending limit still be $500 per room. Is there anyway to link the rooms so the limit would be $1000? Just curious how to go about putting our daily spending on our MBs, and paying off with GCs.

It comes down to your credit card on file and how disney handles that. Whenever we hit the limit with disney we just call them and tell them to raise the number.