Thank you. I'm looking at this solely to pay off the loan and want the 0% interest. You're saying that everyone thus far has had success with the DVC purchases, but did state that the "0% for Disney is very unreliable" meaning they accept some and not the other type of trips such as your cash stay? Do I have that correct? So, I should feel confident on the DVC payoff though, correct?
When you call the CS line at Chase they have no idea what they are talking about, it was very frustrating and I finally just gave up fighting for my 0%. They just kept saying "you don't have an introductory promotional apr on this card" they could not differentiate the just for Disney vacation purchases you get.
For paying off a loan I cannot verify that. When purchasing yes it qualifies.
Was your Disney purchase for a "package" or just hotel room or just park tickets? I haven't actually tried it, but I remember I booked a hotel room (that I later cancelled) thinking I would get the 0% and then I realized it has to be a hotel + park ticket combo to get the 0%. Of course, I totally feel your pain on Chase CS (and credit card CS in general).
I have an alternative suggestion. Assuming the loan payments are coding as timeshares (I know that's what direct purchase and dues payments code as), I would check out the Wells Fargo Autograph card. You would get 3% cash back (if it codes as a timeshare), and the card currently offers 0% financing on ALL purchases for 12 months, so you don't have to worry about whether the Disney Visa will give you the 0%. If it doesn't code as a timeshare, I'd do the Wells Fargo Active Cash card which will give you 2% cash back and also 12 months 0% financing.
Oh, great ideas. Thank you. We're looking at it now.
This isnt a good plan imo it's not really worth the $400. There are much more lucrative card offers and you wouldn't have to apply for 2 cards.
My guide always reminds me hint hint use your Disney Visa for 0% for 6 months when adding on.
Thank you and that settles that. I think the Wells Autograph is the way. Great tips everyone. Thank you!!!!
That’s how I pay off my DVC loans, while the payment comes out of my checking, I do lump sums towards principle on my autograph card.
Correct it will only show up in the statement and not anywhere on the app or website (which is annoying)
I was hoping that was the case- thanks
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It really sucks that Chase employees really have no knowledge of what the card is actually about. But if you choose in the future to get it, it will qualify. Although I still think there are better cards to get.Yeah I never wanted to do a loan for DVC as all of my contracts have been paid in cash without financing but Chase CS told me DVC wouldn't qualify so I never proceeded with getting their card to take advantage of the 0% financing
