using debit card at check in?

[shannon006]

We don't have any credit cards, thus we will be using our debit on our account for the room. Does anyone know what the limit is for charging when using a debit card rather than a credit card?

 

[honeymo78]

There is no difference, it will be based on resort level only. We always use our visa debit card and don't get charges run until we hit the deluxe limit or checkout.

 

[shannon006]

There is no difference, it will be based on resort level only. We always use our visa debit card and don't get charges run until we hit the deluxe limit or checkout.

Thats interesting. So we are staying at the POP, value, any idea what that is?

 

[lsenquiz]

The limit for POP is $500. Nothing will be charged or authorized to your card until your charges reach $500. When that happens your debit card will be charged and your limit will reset to $500.

Limits are:

Value= $500
Mods= $1000
Deluxe = $1500

 

[shannon006]

So will this automatically charge to my debit card and restart? I would hate to be someplace and be at like $450 , then try to use my KTTW card for say $51 or higher and be declined. My dh always will have his wallet, but if (when) sometimes I go off on my own and do some shopping, I would only have my KTTW card. I know it sounds easy enough to just grab the debit card from him, but I can't even remember to grab the photopass from him, then dd and I end up finding a photographer and just get a new card

 

[reiella]

Pretty sure it's rolling. When you go over the threshold amount, they'll charge the balance to your card.

I'd also suggest you check with your bank about your debit card transaction limits. Mine, for instance, has a transaction limit of ~1000$/day. That proved to be more of a problem when trying to pay for the vacation to be honest, but it's something to be aware of.

 

[honeymo78]

So will this automatically charge to my debit card and restart? I would hate to be someplace and be at like $450 , then try to use my KTTW card for say $51 or higher and be declined. My dh always will have his wallet, but if (when) sometimes I go off on my own and do some shopping, I would only have my KTTW card. I know it sounds easy enough to just grab the debit card from him, but I can't even remember to grab the photopass from him, then dd and I end up finding a photographer and just get a new card

I'm not sure if its automatic or not as we rarely hit the $1500 limit. If its not automatic, the CM can call over to your resort for you and you can authorize them to run the charge and reset the limit. It might take a few minutes extra but it won't prevent you from buying something else.

 

[TheRustyScupper]

DEBIT CARD USE AT CHECK-IN:

1) Cards are given at check-in to allow room charges.
. . . there is no money charged to the card at check-in
. . . there is also no monetary "hold" placed upon the card
. . . the card is "run" only to verify it is valid
2) The room charging limits, whether debit or credit cards are
. . . Value Resorts - $500
. . . Moderate Resorts - $1,000
. . . Deluxe/DVC Resorts - $1,500
3) When you reach the limit, you charge the card and start over.
. . . you call the Front Desk
. . . the Front Desk applies the charged amount to the card
. . . the room limit is reduced to zero
. . . you can, again, charge purchases to the room
4) Debit and Credit card work the same in this regard.
5) The difference is at charging time or at check-out.
. . . sometimes the Debit card will not allow a large charge
. . . many have daily limits, such as $300 to $500
. . . if more is charged, the transaction is denied
6) If the debit card transaction is denied
. . . the CM usually tries to charge several smaller transactions
. . . example: two transactions of $250 each for a $500 amount
. . . example: five transactions of $100 each for a $500 amount
. . . however, the CM is not "supposed" to do this
. . . it is a courtesy to the guest
. . . officially, the CM is supposed to call the guest to the Front Desk
. . . the guest is then to use other methods (cash, check, credit card)
7) The night before check-out, debit card denials can be an issue
. . . sometimes the debt card is denied for the full amount
. . . then a letter is shoved under the guest's door
. . . they are notified to come to Front Desk to settle the bill
. . . some guests leave without settling
. . . in such case, WDW Billing sends a notice to their home
. . . if not settled quickly, they refer to debt collection
. . . and, Disney debt collection is not as pleasant as the vacation

 

[tink15823]

Do you know if we can add Gift Cards to our room. We have $2000 so I could get gas points. I would love to just have it put on KTTW /

 

[AnastasiaF]

Definitely check with your bank before you leave to find out what your daily limits are on your debit card. I found out the hard way last year that mine is only $500. I paid the cable and insurance bill and then left to do some Christmas shopping and was declined at my first store. Ouch! I had money in there but it was trapped by my daily limit (which I have since raised to $1500)