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Old 06-17-2013, 09:17 PM   #16
jillmc40
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Originally Posted by elfbo View Post
Okay, i just double checked my statement for my chase disney card. We used the card for our downpayment in early may, with the 6 months no interest. We do enough charges to be more than the minimum monthly due. We made payments equal to or more than the new charges on the card. No interest on the downpayment, and the new charges were paid off first and we were not charged interest on those either (since we paid before end of the billing cycle).
Ooh, thank you! I would like to at least keep some of my money for 6 months. Earn that big huge 1% that I am getting in my savings account. That will buy me an extra dole whip when we finally get there - haha!
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Old 06-18-2013, 06:08 AM   #17
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Can we use Disney visa to purchase through TSS? We can pay off immediately but would like to get the rewards if possible.
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Old 06-18-2013, 07:00 AM   #18
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Can we use Disney visa to purchase through TSS? We can pay off immediately but would like to get the rewards if possible.
No they will only allow you to pay the deposit by credit card the rest has to be by check - bank check I believe not positive.
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Old 06-18-2013, 09:11 AM   #19
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Originally Posted by elfbo View Post
Okay, i just double checked my statement for my chase disney card. We used the card for our downpayment in early may, with the 6 months no interest. We do enough charges to be more than the minimum monthly due. We made payments equal to or more than the new charges on the card. No interest on the downpayment, and the new charges were paid off first and we were not charged interest on those either (since we paid before end of the billing cycle).
Do you know what the charge fell under?
Mortgage, entertainment, travel?
Thanks so much!
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Old 06-18-2013, 04:06 PM   #20
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DVC is travel with a 2% reward on Costco American Express.
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Old 06-19-2013, 01:28 PM   #21
jillmc40
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Originally Posted by elfbo View Post
Okay, i just double checked my statement for my chase disney card. We used the card for our downpayment in early may, with the 6 months no interest. We do enough charges to be more than the minimum monthly due. We made payments equal to or more than the new charges on the card. No interest on the downpayment, and the new charges were paid off first and we were not charged interest on those either (since we paid before end of the billing cycle).
Just to clarify...I called Disney Visa about my credit limit, since it was hit with the charge today and they allowed it to go over the limit. While I was on the phone I decided to ask about the 0% interest. This is what I was told. As long as I pay the minimum amount due, along with the charges for the month, I will not be charged interest...SO, if I charge 500.00 next billing cycle on random things, and when I get my statement the min due is 40.00, I have to pay 540.00 in order to avoid being charged the interest. Interesting how each company works.

As far as the category goes...I believe on my Discover card Disney falls under entertainment, not theme parks, and the restaurants do not fall under restaurants. They had a 5% on theme parks a few years ago and I went to WDW charging everything on Discover...When I got home I was totally disappointed to see that it didn't count :/
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Old 06-19-2013, 01:46 PM   #22
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Thanks everyone for checking, I really appreciate it
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Old 06-19-2013, 06:42 PM   #23
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FYI, here's a charge for a DVC loan payment on my American Express:


800-********
Description
DVC LOANS SERVICING
Doing Business As: LOAN SVCNG E-COMMERCE
Merchant Address: 200 CELEBRATION PL
CELEBRATION
FL
LEESBURG
34747-5483
UNITED STATES
Reference Number: [redacted]
Dispute/Inquire about this charge
Category: Travel - Lodging
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Old 06-19-2013, 07:17 PM   #24
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Is this for the Chase Freedom card? I emailed them last month asking them what is included under Travel for Q3, they said they didn't know yet, but to ask again as Q2 ends, so I would email them.
Remember with the Freedom card it is only 5% up to $1500 in purchases. The rest will be at 1%. If you have a Chase Sapphire preferred card as well, you can pay the rest of it with that one and get 2% as it will come up travel. This is what we did when we bought our VGF points a few weeks ago.
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Old 06-24-2013, 06:20 AM   #25
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it is typical for ccs to use payment towards lowest interest balances first
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Old 06-24-2013, 06:22 AM   #26
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it is typical for ccs to use payment towards lowest interest balances first
It really depends on the cc company. I would call and ask since they all do it different.
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Old 06-24-2013, 06:27 AM   #27
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Originally Posted by twinsouvenirs View Post
it is typical for ccs to use payment towards lowest interest balances first
Right, but in the case of a Disney Visa, they allow six months, no interest for charging Disney trips or DVC purchases, it's a special perk of that card.
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Old 06-24-2013, 06:33 AM   #28
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it is typical for ccs to use payment towards lowest interest balances first
It used to be this way until the Credit Card Reform Act of 2009. You will find most now have to apply funds to the highest interest rate purchases first.

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Old 06-24-2013, 07:17 AM   #29
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Right, but in the case of a Disney Visa, they allow six months, no interest for charging Disney trips or DVC purchases, it's a special perk of that card.
With the Disney visa just make sure that if u are using the card as well for regular purchases to pay the amount you charged PLUS the minimum payment due. That is what they told me when I called.
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Old 06-24-2013, 07:22 AM   #30
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With the Disney visa just make sure that if u are using the card as well for regular purchases to pay the amount you charged PLUS the minimum payment due. That is what they told me when I called.
It's real easy to get caught with the low or no interest situations and end up paying a ton of interest. IMO, it's like playing russian roulette unless you consistently pay it off every month with some type of online electronic connection, preferably initiated on their end.
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