My $1800 balance is due Aug. 24. I'm worried about the timing of buying discount Target cards, waiting for the Disney cards to be restocked, then ordering/planning to get them in time. Sorry if it's already been explained, but can I still get the 5% off Disney cards if I buy in-store with my RedCard? Or should I buy the electronic Target cards on Cardpool, hoping to get them within 24-48 hours, then plan to combine and go in-store to purchase for the extra 2% off? Again, more worried about the timing than anything else. Just don't want to be stuck with $1800 in Target gift cards and still owing on my vacation.