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Vacation Planning Tips & Tricks Discuss Disney Visa Card Review in the Vacation Planning forums; Originally Posted by Shere_Khan Stitch, If I were you I would keep it. I mean it does no harm by just having it if you don't use it. From how ...
  1. #16
    Stitch's Avatar
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    Quote Originally Posted by Shere_Khan View Post
    Stitch, If I were you I would keep it. I mean it does no harm by just having it if you don't use it.
    From how I understand it that is not 100% true....having a card that you don't use on your credit still shows as having the ability to use it and they look at that when you go to get a car, house, loan etc.

  2. #17
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    Shere_Khan is offline As the world falls down...
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    Oh I wasn't aware of that. I have one card that I use all the time and two others that are for emergency purposes only. So that is not a good thing to have?


    "Almost everyone is mad here. You may have noticed that I'm not all there myself." - Chesire Cat

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  3. #18
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    I'm not sure the full logic. I'll ask Goofygirl...she explained it to me once before.

  4. #19
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    I received 50 points when I signed up for the Disney Visa, which is the only reason I signed up. I think I have about 70 points on my card right now that I'll be using when I go souvenir shopping at WDW in September.

    P.S. Having too many credit cards looks bad on your credit, however, canceling a card you've had a long time looks bad too. So, it's usually a good idea to only get a credit card if you really plan on using it!





  5. #20
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    I'm in 100% complete disagreement with the original post.

    It is absurdly simple to use your rewards points. You transfer them to a rewards card online (about three clicks after you're logged in to Chase.com) and they send you the debit card. You can use the debit card anywhere on Disney property that takes a credit card. The Original Poster misread the "fine print".

    You do not need 20 points to transfer. You only need 20 points to get your first card. After that, you can make repeated transfers of 10 points or more as often as you wish.

    You can also use the debit card at Disney Stores or disneyshopping.com.

    You can also use the Rewards Dollars without transferring them to a card to spend on Disney movie tickets, DVDs, books, etc, by redeeming them for certificates directly from the Disney Rewards site. That is, you can use them to buy Ratatoulle on DVD from Wal*Mart, for example, if you'd like.

    Of my five credit cards, my Disney card is the second lowest interest rate at 14.24% (second only to the credit card from the bank which is also my employer). In contrast, my Discover Card, which others were hailing because of the occasional 5% back promotion, has an interest rate of 23.24%.

    If you forget to transfer the Rewards Dollars to a card before you leave home, you can do the transfer in person at Downtown Disney.

    It's a great card, and I wouldn't think of cancelling it.

    Paul Lalli

  6. #21
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    Sorry I posted this in another thread, but didn't realize this thread was the most recent:

    Ok just wanted to tell you all this:

    So a couple of months ago I called them about lowering my rates, I have had the card forever! And always pay on time.
    They were like no we cannot help you.

    So tonight I thought, I'll try it again, and see what happens.
    I threatened to cancel and they sent me over to a specialist who was really nice! Not only did she lower my rate to 14 when it was at 17. She gave me ten free Disney Dollars! I was like omg, how nice!

    Just wanted you all to know that they can be nice at times! Lol.
    Last edited by Shere_Khan; 09-21-2007 at 02:56 PM.


    "Almost everyone is mad here. You may have noticed that I'm not all there myself." - Chesire Cat

    "You have spirit for one so small, and that spirit deserves a fighting chance." - Shere Khan

  7. #22
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    Question auto rental/travel ins. w/c.c.?

    Hi all-

    Thanks to you all about the great review comments about the credit card. I'm thinking about getting one for the discounts, but would like to know if anyone knows if the credit card offers auto rental ins. or travel insurance.

    Would appreciate any help about this.

    Thanks
    Hidden Mickeys, beware!

  8. #23
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    According to the Disney Visa website, Disney Rewards® Visa® Card you get Visa Platinum benefits, including
    "Zero Liability Coverage, Emergency Card Replacement, Travel Accident Insurance, Baggage Delay Coverage"

    There is a toll-free number to apply for the card. You might try calling to see if they can tell you. 1-888-231-6894 is one number.

    Interestingly, the first time I searched, I hit the old DisneyVisaRewards.com site, which is still active despite the offers on it having expired in 2006. On that old site, it DID include Auto rental insurance and Travel & emergency assistance. Now I have to go dig through my paperwork to see if they dropped the auto insurance when they switched from FirstUSA to Chase or if it is still there.
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  9. #24
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    This is a very helpful discussion and I'm glad I read it. I've gotten 2 forms lately to see if I would apply. I couldn't believe the interest rate!

    I agree that it really takes a ton of money to get enough points to even make a dent in a vacation, but if you have only a couple cards it wouldn't be a bad idea to get this to get the discounts.

  10. #25
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    Thanks Disneydame! That link gave me the most detailed info I could find about it. I had previously gone to the Chase website, but that told me hardly anything about it.
    Hidden Mickeys, beware!

  11. #26
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    Quote Originally Posted by mritty View Post
    I'm in 100% complete disagreement with the original post.

    It is absurdly simple to use your rewards points. You transfer them to a rewards card online (about three clicks after you're logged in to Chase.com) and they send you the debit card. You can use the debit card anywhere on Disney property that takes a credit card. The Original Poster misread the "fine print".

    You do not need 20 points to transfer. You only need 20 points to get your first card. After that, you can make repeated transfers of 10 points or more as often as you wish.

    You can also use the debit card at Disney Stores or disneyshopping.com.

    You can also use the Rewards Dollars without transferring them to a card to spend on Disney movie tickets, DVDs, books, etc, by redeeming them for certificates directly from the Disney Rewards site. That is, you can use them to buy Ratatoulle on DVD from Wal*Mart, for example, if you'd like.

    Of my five credit cards, my Disney card is the second lowest interest rate at 14.24% (second only to the credit card from the bank which is also my employer). In contrast, my Discover Card, which others were hailing because of the occasional 5% back promotion, has an interest rate of 23.24%.

    If you forget to transfer the Rewards Dollars to a card before you leave home, you can do the transfer in person at Downtown Disney.

    It's a great card, and I wouldn't think of cancelling it.

    Paul Lalli
    Yes, you can transfer 10 points after initially transferring 20 points. So after a $1,000 in charges, you'll have only $10 worth of points. But on a card that offers 5% back like Citi or Discover, that same $1,000 earns you $50. Interest rates vary by individual credit (for the most part). On my Citi card, which earns 5% cash back, my APR is 11%. But I will say that the Disney card offers 6 months at 0%. However, most Chase cards offer 0% for 6 mos. but the Disney card advertises this rate only on Disney purchases.
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  12. #27
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    Quote Originally Posted by Artemis908 View Post
    I received 50 points when I signed up for the Disney Visa, which is the only reason I signed up. I think I have about 70 points on my card right now that I'll be using when I go souvenir shopping at WDW in September.

    P.S. Having too many credit cards looks bad on your credit, however, canceling a card you've had a long time looks bad too. So, it's usually a good idea to only get a credit card if you really plan on using it!
    RIGHT! Never cancel a card you've had a long time right before applying for a loan. It shows on your credit report as a loss in credit. You also don't want to have an excessive amount of cards either because banks see that as too much risk.
    Creator, The Best of Walt Disney World
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  13. #28
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    Well I'm in trouble because I think I have a credit card for almost every major department store there is.
    Just can't beat those coupons!!

    OOPS!!!!!!!!!!!!!!!!!!!!!!!


    "Almost everyone is mad here. You may have noticed that I'm not all there myself." - Chesire Cat

    "You have spirit for one so small, and that spirit deserves a fighting chance." - Shere Khan

  14. #29
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    I've gotta agree with a lot of what you guys have said. I've got a HCOE card, and I love it - it's nice to see Cinderella's Castle every time you open your wallet - but if you're looking for 'bang for your reward buck', it's better to look elsewhere. However, I think I'll always have one because I tend to do a lot of shopping at World of Disney, and I appreciate the cardholder discount.

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