I love my Disney Rewards Visa for the rewards but..... - PassPorter - A Community of Walt Disney World, Disneyland, Disney Cruise Line, and General Travel Forums
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I love my Disney Rewards Visa for the rewards but.....
...does anyone else have issues with te way they post thing online?
I feel like I can never get a handle on the "real" balance, and it seems as if they are "holding" $$ twice...for instance, something is showing in the recent transactions as cleared, but then the pending charges also has that amount in it.
the other thing that annoys me is that I can only make a payment every 3 days!! CRAZY!!
I'm stressing a little because I had to use the card for some unexpected charges and I want to pay it off so I can pay off my trip by my due date on Wednesday but it seems as though I can't get a handle on the total balance (Well, I know what it is from my receipts but it's not letting me pay that...another pet peeve, I can't over pay even if the charges are pending) I don't want to make a payment too soon and not clear the whole balance and then not be able to make another payment or three days because that will take me past when I have to pay of the trip!
I know, I'm weird!! LOL!!! I can just use my bank card to pay the trip off but I really want to earn the extra rewards before our June trip!
Sorry, long ranty vent...just wondering if these weird policies annoy anyone else???
Go by your available balance. No matter what your pending is, the available will be correct. I know what you're saying though. Usually what I do is I subtract my available from my total and that's approximately what I owe (total and available is rounded to the nearest dollar so what I owe is just off by the change but close enough IMO). HTH
I have the Disney Visa. We simply pay each month when the bill comes in the mail. With the grace period it works out that we never pay finance charges. Points accumulate as they hit your account. You can transfer points from your CC account to the Disney Rewards Card anytime once you have the rewards card.
Since you are going in June, I suggest you get the rewards card now. Use your DV as you normally would, pay it off every month, or twice a month if you prefer. A few days before you leave for WDW transfer the last points on the CC acount onto the Disney Rewards. A few days before you leave WDW call the DV company and move over the last few dollars and get a frozen Mickey Bar on Disney.
I hope this helps.
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Planning for summer of 2017. 3rd week in August. We will get blown away by the rides, or a hurricane. Either way it should be alot of fun
Here is the problem with Disney Visa (IMHO). Let's say, you book a disney vacation and want to use the 6 month grace period to pay it off. If you put other charges on the card and you want to pay them off at the end of the month they were charged what Disney Visa does is put your payment to your vacation amount first leaving the other as outstanding balance. Thus you pay finance charges (not on your remaining vacation amount, but the new charges). So if you want to put your vacation on the card and pay it off using the 6 month grace period you cannot use it for any other charges.
Call them,I have a disney visa card and love it they post in a couple days depending on where you live and when your bill gets to the post office.Chace will talk you through whatever you need to do as well as explain whatever you are haveing problems with.
Laurie
Here is the problem with Disney Visa (IMHO). Let's say, you book a disney vacation and want to use the 6 month grace period to pay it off. If you put other charges on the card and you want to pay them off at the end of the month they were charged what Disney Visa does is put your payment to your vacation amount first leaving the other as outstanding balance. Thus you pay finance charges (not on your remaining vacation amount, but the new charges). So if you want to put your vacation on the card and pay it off using the 6 month grace period you cannot use it for any other charges.
That would be a pain.
Use a different card until your vacation is paid off. Disney will be the ones who suffer because they won't get the fee charged to the merchant while you use another company's CC.
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Planning for summer of 2017. 3rd week in August. We will get blown away by the rides, or a hurricane. Either way it should be alot of fun
Here is the problem with Disney Visa (IMHO). Let's say, you book a disney vacation and want to use the 6 month grace period to pay it off. If you put other charges on the card and you want to pay them off at the end of the month they were charged what Disney Visa does is put your payment to your vacation amount first leaving the other as outstanding balance. Thus you pay finance charges (not on your remaining vacation amount, but the new charges). So if you want to put your vacation on the card and pay it off using the 6 month grace period you cannot use it for any other charges.
This was not the case with us. We charged our vacation (note: it has to be a Disney Package, not just a room reservation) on our Disney Visa. We continued to use it and every month paid off our new charges excluding the balance on the vacation package under the 6 months no finance charges. We never paid interest. The only balance we ever carried over was the vacation package however. We've done this several times and never paid interest.
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It would drive me crazy to be making payments all the time. No wonder you are confused. Put that money aside in your bank account, wait for your bill to be sent/released and then pay it off in one big piece. No having to worry about what the actual balance is.
I have the Disney Visa. We simply pay each month when the bill comes in the mail. With the grace period it works out that we never pay finance charges. Points accumulate as they hit your account. You can transfer points from your CC account to the Disney Rewards Card anytime once you have the rewards card.
Since you are going in June, I suggest you get the rewards card now. Use your DV as you normally would, pay it off every month, or twice a month if you prefer. A few days before you leave for WDW transfer the last points on the CC acount onto the Disney Rewards. A few days before you leave WDW call the DV company and move over the last few dollars and get a frozen Mickey Bar on Disney.
I hope this helps.
DH and I do the same thing. It works out well for us.
It would drive me crazy to be making payments all the time. No wonder you are confused. Put that money aside in your bank account, wait for your bill to be sent/released and then pay it off in one big piece. No having to worry about what the actual balance is.
This is what I usually do...as a matter of fact, there was a zero balance as of April 25th. I just had some thing come up, reembursable expenses I HAD to charge and this is our only card. Normally I would just let it sit until the bill comes due but my 45 days out date is Wednesday so I have to clear the card to open up the available balance to cover the rest of the trip balance. (Did that make sense??)
It's Teacher's Aprreciation Day and since we are on school vacation I could not get a check from the principal, so I charged all the gifts...to the tune of $700...all at diferent places...they are just hitting the card at diferent times.
I just called Chase an it looks like I will be fine...everything should clear by tomorrow, I can pay off the balance and be ready to charge the trip balance on Monday or Tuesday.
And yes, I know I'm making this harder than it has to be...but those rewards are soooooooo appealing....I just see $$$ in my eyes!!! LOL!!
Here is the problem with Disney Visa (IMHO). Let's say, you book a disney vacation and want to use the 6 month grace period to pay it off. If you put other charges on the card and you want to pay them off at the end of the month they were charged what Disney Visa does is put your payment to your vacation amount first leaving the other as outstanding balance. Thus you pay finance charges (not on your remaining vacation amount, but the new charges). So if you want to put your vacation on the card and pay it off using the 6 month grace period you cannot use it for any other charges.
Good to know this! I didn't know this because we normally don't book a package because we stay off site. But, none the same, good to know for future reference!
Good to know this! I didn't know this because we normally don't book a package because we stay off site. But, none the same, good to know for future reference!
I would verify this with Chase before making a decision because we didn't have this experience with our Disney Visa and Disney packages.
This was not the case with us. We charged our vacation (note: it has to be a Disney Package, not just a room reservation) on our Disney Visa. We continued to use it and every month paid off our new charges excluding the balance on the vacation package under the 6 months no finance charges. We never paid interest. The only balance we ever carried over was the vacation package however. We've done this several times and never paid interest.
I too, thought that I had done this in the past. Last year I booked room and tickets for DL on my Disney Visa. I put a number of other charges on my Disney Visa and paid them off when the card came due. The next month interest charges showed up on my card and that is when I was told about the payment going first to the vacation package. This year before I booked our WDW vacation package I called Chase and was told the same thing (that until my vacation balance was paid off I would be charged interest for the rest of the balance).
I too, thought that I had done this in the past. Last year I booked room and tickets for DL on my Disney Visa. I put a number of other charges on my Disney Visa and paid them off when the card came due. The next month interest charges showed up on my card and that is when I was told about the payment going first to the vacation package. This year before I booked our WDW vacation package I called Chase and was told the same thing (that until my vacation balance was paid off I would be charged interest for the rest of the balance).
Your post really got me worried, because we are about to charge the balance of our vacation package. So I just called Chase and asked them about this. They said that if you subtract the balance of your vacation package (it is located in a separate section of your statement) from the total account balance and pay that amount, you will not be charged any finance charges. For example, if your total account balance is $5000 and $3000 of that is the balance on your Disney package 6 months no finance charges, you pay $2000 and no interest will be added to your account. I asked twice to verify this. I also asked if payments are applied to the 6 months no finance charge balance first, and they said no. Payments are applied to the purchases first. She said the exception would be if you paid your purchases balance in full and then there was a credit applied to your account for something like a merchant credit on a return, then that credit would be applied to the 6 months no finance charge section since the purchases were paid in full.
I spoke to a Barbara at Chase at 1-800-300-8575.
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Michelle - with my step sisters!
Last edited by Shell_of_the_South; 05-01-2009 at 01:43 PM..
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I think this is the first time I've been glad that Canadians aren't permitted to get the Disney Visa.
Michelle - with my step sisters!
DH and I do the same thing. It works out well for us.
I didn't know this because we normally don't book a package because we stay off site. But, none the same, good to know for future reference!
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