Disney Visa question

[DisneyDreams09]

If I pay toward my Disney Visa account before my statement comes out will I still get Reward Points. I pay it off each month, but my balance is adding up this month due to Christmas etc,. I don't want to wait until my statement comes out in two weeks and have a large amount to pay so I want to pay some now and some after I receive my statement, but also want to get my reward points. Anyone know about this or should I call Chase? Thanks! :xmas:

 

[fosse76]

If I pay toward my Disney Visa account before my statement comes out will I still get Reward Points. I pay it off each month, but my balance is adding up this month due to Christmas etc,. I don't want to wait until my statement comes out in two weeks and have a large amount to pay so I want to pay some now and some after I receive my statement, but also want to get my reward points. Anyone know about this or should I call Chase? Thanks! :xmas:

My understanding is that if you earn, let's say, 10 points in a billing cycle, those points are available once that billing cycle ends, regardless as to whether or not you carry a balance on the card. However, the points aren't available if the billing cycle hasn't ended yet.

 

[Master Yoda]

Chase will have the final say but most reward points are typically "earned" the second you charge on the card. Retailers pay a fee (3%+/-) for the privilege of accepting a credit card transaction and your reward is in essence a rebate to you from that 3%. When those rewards are available is up to the CC company but generally it takes at least one billing cycle. If you are really good with your credit cards and money you can actually earn quite a few reward points by charging every single cent you can (electricity bills, phone bills, groceries, etc) and paying off the balance before any interest is charged.

 

[stefan74]

If I pay toward my Disney Visa account before my statement comes out will I still get Reward Points. I pay it off each month, but my balance is adding up this month due to Christmas etc,. I don't want to wait until my statement comes out in two weeks and have a large amount to pay so I want to pay some now and some after I receive my statement, but also want to get my reward points. Anyone know about this or should I call Chase? Thanks! :xmas:

On my latest trip to Disney, I was able to transfer points on a purchase I made a week before my trip. I called the number on the back of my Disney Rewards card and the Customer Service rep. was able to transfer my purchase reward points from a few days before, onto my Rewards card. My mom was able to do the same thing.

I have paid before my statements have gotten to me and still got my points. Just go to their website and make a payment online.

Hope this helps and have a Magical Christmas!!:xmas:

 

[dreamfinder]

I believe the only way that you will "lose" points is if you return goods to the credit card.

Just check the details about the multiple payments. Sometimes you are limited to the number of payments you can make in a billing cycle. Don't know the details of the Disney card though.

 

[fosse76]

Chase will have the final say but most reward points are typically "earned" the second you charge on the card. Retailers pay a fee (3%+/-) for the privilege of accepting a credit card transaction and your reward is in essence a rebate to you from that 3%. When those rewards are available is up to the CC company but generally it takes at least one billing cycle. If you are really good with your credit cards and money you can actually earn quite a few reward points by charging every single cent you can (electricity bills, phone bills, groceries, etc) and paying off the balance before any interest is charged.

Be careful about that. Some utilities charge extra to pay with a credit card, and negates the points you earn. I know here in New York, ConEd charges $5 to pay by credit card. Considering I wouldn't even earn a single rewards point, it makes no sense for me to pay with my credit card. Same with interest charges. If you carry a balance and pay interest, you may negate any point earnings by paying more than what you would earn.

 

[Master Yoda]

Be careful about that. Some utilities charge extra to pay with a credit card, and negates the points you earn. I know here in New York, ConEd charges $5 to pay by credit card. Considering I wouldn't even earn a single rewards point, it makes no sense for me to pay with my credit card. Same with interest charges. If you carry a balance and pay interest, you may negate any point earnings by paying more than what you would earn.

Correct. You have to pay attention to what you are doing. If you are charged anything in any way it will negate the reward. In my case I am kind of lucky as I can pay all of my utilities without any extra fees for using a credit card.

 

[DisneyDreams09]

Oh, I know I have to pay the card off each month and to watch for fees etc. I've got that under control. I just want to pay on the card early so I don't have such a wopper of a bill come mid January. Thanks for the help everyone!

 

[lilclerk]

This is a little , but I pay off my Disney Visa online every pay period (twice a month... I pay everything I can with the card to earn points) and points are still earned on my next statement.

 

[gojoe]

Why pay in advance?

What is nice about using a credit card is you won't have to pay for a month. I bank online and my payment get to the credit card company the day before it is due. If the money is my bank it's drawing interest besides the point for the purchase. I know I'm strange because I'm the only one I know who doesn't want a Tax Refund. I figured I overpay them and they aren't even nice enough to give me interest.

 

[lilclerk]

What is nice about using a credit card is you won't have to pay for a month. I bank online and my payment get to the credit card company the day before it is due. If the money is my bank it's drawing interest besides the point for the purchase. I know I'm strange because I'm the only one I know who doesn't want a Tax Refund. I figured I overpay them and they aren't even nice enough to give me interest.

This is a personal preference, but I'm paranoid that I may forget and then rack up interest charges. I'm likely to be that dumb. :lol:

 

[princessmelinda]

What kind of "rewards" are there?

 

[fmingo36]

This is a little , but I pay off my Disney Visa online every pay period (twice a month... I pay everything I can with the card to earn points) and points are still earned on my next statement.

Same here.

 

[lilclerk]

What kind of "rewards" are there?

1 point = $1. You can get the points put onto a Disney gift card to use in the parks, to pay towards your vacations, or you can get certificates to use in stores for Disney merchandise.
You also get little perks like discounts on tours, stroller rentals (I think, don't have kids...) and sometimes first dibs on vacation discounts.
http://disneyrewards.disney.go.com/credit/cardperks.html

 

[muteki]

6 months no interest on vacations to WDW is nice too.

I enjoy my 1%, once you get your rewards card (I think it takes a minimum of 20 points to get your first one) you can add points to it in any denomination you like online on the chase website, and they are ready to be used instantly. I was getting a snowglobe as an xmas gift and I transferred points and used them at the disney store online immediately after.

That being said, I did get an offer to earn 5x my normal reward points back in october, and I still haven't seen the 5%, but supposedly that is coming later.

 

[lilclerk]

That being said, I did get an offer to earn 5x my normal reward points back in october, and I still haven't seen the 5%, but supposedly that is coming later.

The 5x offers I've gotten always state you get 5x after you spend a certain amount in specific categories (for example: $750 on airlines, dining, groceries and gas) and they usually run for 3 months at a time. So if you added it in October and met the criteria, you'd get the points around your January statement if yours was 3 months.

 

[muteki]

The 5x offers I've gotten always state you get 5x after you spend a certain amount in specific categories (for example: $750 on airlines, dining, groceries and gas) and they usually run for 3 months at a time. So if you added it in October and met the criteria, you'd get the points around your January statement if yours was 3 months.

Yeah, I actually called them about it when I was checking that my vacation was 0% 6mo interest, and they said the extra 4x points would come 6-8weeks after the time of purchase. I am happy to get them but its kinda lame to have to wait.