Ways to maximize savings when purchasing direct DVC contract.. (credit card rewards etc)

[davidhr]

Do you happen to know if this includes DVC loan payments or just payments initiated as deposit / 30 / 60 / 90? Not sure if they code differently as different department, etc.

Also wanted to update here that we had an offer for no fees on your first Chase Plan / Pay Over Time up to $4K through the end of March, on my spouse’s Disney Visa. Charged exactly $4K and it showed as not eligible for Pay Over Time. Reached out to customer service and they said they have no control to assist, it’s either eligible or it’s not. So it would seem the 6mo 0% on DVC at least, supersedes eligibility for the Pay Over Time option.

Loan payments code as travel with Chase. I paid off my loans early last year after opening a few Business Inks. (also a business Plat), and they coded as travel and got the extra points for Chase.

 

[LadySarathano]

Loan payments code as travel with Chase. I paid off my loans early last year after opening a few Business Inks. (also a business Plat), and they coded as travel and got the extra points for Chase.

Thank you for sharing!

 

[VGCgroupie]

Disney has called me twice for payments this time around for a small contract. They didn't call me at all last time.

 

[LittleBitGoofy]

Disney has called me twice for payments this time around for a small contract. They didn't call me at all last time.

What did they call about? Wanting early payments? We have the third/final installment due later this month on a small 60pt but no calls about it.

 

[VGCgroupie]

What did they call about? Wanting early payments? We have the third/final installment due later this month on a small 60pt but no calls about it.

Sating oh congrats, looks allow need to close and finalize is payment. I was like yes I was doing a 60 day so I willet it all paid by the 60 days. She said okay. Just strange they called 2 x for payment on 12k when I owed 60k. Crickets

 

[Girlstar30]

I just emailed my guide and asked if the whole thing could be paid with Disney Gift cards, im not sure if this has been answered, but if not I will post when he writes back and I also asked how much time Disney would give to pay without having to secure a loan.

 

[Blerghityblergh]

I just emailed my guide and asked if the whole thing could be paid with Disney Gift cards, im not sure if this has been answered, but if not I will post when he writes back and I also asked how much time Disney would give to pay without having to secure a loan.

We also asked this and the answer was no. I think it’s not allowable since it’s a real estate transaction. Let us know if you hear differently though please!! That would be awesome.

 

[Girlstar30]

We also asked this and the answer was no. I think it’s not allowable since it’s a real estate transaction. Let us know if you hear differently though please!! That would be awesome.

Darn I was hoping to do this yes I will let you know!

 

[LittleBitGoofy]

Darn I was hoping to do this yes I will let you know!

Rolling over to Target for school supplies, new socks, and 350 Disney gift cards at 5% off.

 

[VGCgroupie]

I just emailed my guide and asked if the whole thing could be paid with Disney Gift cards, im not sure if this has been answered, but if not I will post when he writes back and I also asked how much time Disney would give to pay without having to secure a loan.

No you cannot use Disney gift cards to buy direct unfortunately

 

[Blerghityblergh]

No you cannot use Disney gift cards to buy direct unfortunately

My husband pointed out you can pay dues with them though!

 

[Girlstar30]

Rolling over to Target for school supplies, new socks, and 350 Disney gift cards at 5% off.

The plan was to buy 60 of the $500 gift cards slowly and then transfer them down to 30 at $1000 each so i cam get my little 5%

 

[Girlstar30]

My husband pointed out you can pay dues with them though!

Definetely going to do this!

 

[eticketplease]

Rolling over to Target for school supplies, new socks, and 350 Disney gift cards at 5% off.

$350 or 350 gift cards?

The minimum card they sell is a $25 one so based on that you are paying $8,312.50 for $8,750.

Now if I pick up the socks and school supplies can I come on your trip?

 

[VGCgroupie]

My husband pointed out you can pay dues with them though!

Yep! If they didn’t take them for dues that may have been the breaking point for us not to join.

 

[Girlstar30]

$350 or 350 gift cards?

The minimum card they sell is a $25 one so based on that you are paying $8,312.50 for $8,750.

Now if I pick up the socks and school supplies can I come on your trip?

The max target sells which is $500 increments, I would buy 60 of those. The max one card can have at a time is $1000 per Disney policy so I would transfer 30 of them to the other 30 so then I have 30 total. I hope that made sense not that it matters bcuz that dream got killed and yes you can come with me although I will probably raise a lot of suspicion buying so many and then imagine if I did that over the course of a month if disney allowed it and then changed their policy

 

[Genie+]

Definetely going to do this!

Be aware they made some changes this year regarding gift cards and dues.

Before the changes it was possible to put dues on a 12 month installment plan if routed to bank account. Each month before it was due you could override payment method to the gift card. Now you have to choose one or the other. Basically once you pay with a gift card, you cannot turn the autopay feature back on. At that point the dues will need to paid in full.

Thread 'Is this a change to paying dues with gift cards?'

Dec 5, 2024

Did anyone else see this notice in their DVC dashboard?

2025 Autopay Guidelines
While you are enrolled in Auto-Pay for Annual Dues, Disney Gift Cards and Disney Rewards Redemption Cards are not acceptable forms of payment per our terms and conditions. To make a payment with a Gift Card or Rewards card, please first un-enroll by selecting My Annual Dues > Manage Auto-Pay > Cancel Autopay. After making your payment, please re-enroll in Autopay by February 14 for any remaining balance due. If you are not re-enrolled in Autopay by February 14, any outstanding Annual Dues balance...

• Lorana
• Replies: 377
• Forum: DVC Member Services

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[Girlstar30]

Be aware they made some changes this year regarding gift cards and dues.

Before the changes it was possible to put dues on a 12 month installment plan if routed to bank account. Each month before it was due you could override payment method to the gift card. Now you have to choose one or the other. Basically once you pay with a gift card, you cannot turn the autopay feature back on. At that point the dues will need to paid in full.

Thread 'Is this a change to paying dues with gift cards?'

Dec 5, 2024

Did anyone else see this notice in their DVC dashboard?

2025 Autopay Guidelines
While you are enrolled in Auto-Pay for Annual Dues, Disney Gift Cards and Disney Rewards Redemption Cards are not acceptable forms of payment per our terms and conditions. To make a payment with a Gift Card or Rewards card, please first un-enroll by selecting My Annual Dues > Manage Auto-Pay > Cancel Autopay. After making your payment, please re-enroll in Autopay by February 14 for any remaining balance due. If you are not re-enrolled in Autopay by February 14, any outstanding Annual Dues balance...

• Lorana
• Replies: 377
• Forum: DVC Member Services

• 
• 

Oh so if you choose gift card you have to pay with gift cards for the year? Is there an autopay discount?

 

[eticketplease]

The max target sells which is $500 increments, I would buy 60 of those. The max one card can have at a time is $1000 per Disney policy so I would transfer 30 of them to the other 30 so then I have 30 total. I hope that made sense not that it matters bcuz that dream got killed and yes you can come with me although I will probably raise a lot of suspicion buying so many and then imagine if I did that over the course of a month if disney allowed it and then changed their policy

Only if I’m desperate am I buying that many at Target since they are only 5% off. I think @VGCgroupie might be the queen of this but I try to get 10% or more off.

 

[eticketplease]

Oh so if you choose gift card you have to pay with gift cards for the year? Is there an autopay discount?

The autopay discount is that they don’t charge a fee or interest to split up your payments.

No you can pay a lump sum with gift cards and then enroll in auto pay. You used to be able to be in autopay but then in and make that monthly payment via gift card rather than it coming out of your bank account.