Ok, stupid question time! If you have a Target redcard (that is the debit card that is attached to a checking account, correct?) you can buy the Disney GC online or in the store at a 5% discount? So a $100 GC would be $95? Is that right? I'm new to buying the giftcards to pay for my trip, but since I'm budgeting for my next trip I want to save any money I can and this would be great!