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Credit limits raised at Walt Disney World Resort hotels
- Thread starter wdwmagic
- Start date
Wildflower
Well-Known Member
not your fault, but thank you. And that WAS part of our issue, we're in State but not local so we're room only all the time.
DaisyDoesDisney
Well-Known Member
That depends. Are they eating cheese in bed?
Quick question. I usually like to use cash or gift cards when I pay. If I charge to my room, and want to go down and pay cash or use a gift card at the end of the day, will that charge never actually hit my credit card, or will they preauthorize the card and just let the preauth expire?
note2001
Well-Known Member
I had assumed the charges were systematically charged to the card on file when the limit was approached. Never have I had to authorize the charge to clear out my room account, other than at the very start of my stay when adding my CC to the account. Hearing now that some folk have had their purchases denied as their accounts did not clear out automatically makes it seem as though this is not an automated process, but one that is manual in the back office. Can you imagine how busy those folk must be with the lower limits?
Given this, I think the limits being raised have more to do with Disney's staffing and to a lesser extent, the transaction fees paid out to CC companies than the guests actual spending, although it probably is true that folk are hitting that limit more often than ever before.
Given this, I think the limits being raised have more to do with Disney's staffing and to a lesser extent, the transaction fees paid out to CC companies than the guests actual spending, although it probably is true that folk are hitting that limit more often than ever before.
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Wildflower
Well-Known Member
It's timing more than anything. It should not hit your card at all unless you somehow hit the limit before you go to desk (they CAN reverse it and put the cards through if that does happen, it just takes a bit for the process) or if you don't get to it the night before check-out (it's going to process everything that night and if you have any charges the day OF checkout, those will hit separately).
SYRIK2000
Well-Known Member
OMG no more cheese for me.
JennSmith
Well-Known Member
I am kinda confused. Since this will be the first time we are going since the full implementation of the Magic Bands. I planned on having my Disney Visa already linked to my acct . I also planned on loading some Disney gift cards to my acct. I assumed, (this was probably my first mistake ), that when I tapped my band and entered my PIN that the charge would immediately come off of the gift cards first. Then once those were depleted, my cc would start getting charged. Is this wrong? I am kind of lost...
), that when I tapped my band and entered my PIN that the charge would immediately come off of the gift cards first. Then once those were depleted, my cc would start getting charged. Is this wrong? I am kind of lost...
Tom P.
Well-Known Member
If I had to take a guess -- and this is only my own wild speculation -- I'd say that this was done simply to encourage people to spend more. Suppose I tie my debit card to my Magic Band, and I check my account on a daily basis. If they're flushing out charges after $500, I'm going to see that hit my bank account more often than if they're doing it after $1,500. I'll notice it sooner, and be less likely to spend more. If they don't flush it until $1,500, the charges seem more "invisible," and I'm more likely to keep spending.
Wildflower
Well-Known Member
They don't load your gift cards onto your account at the resort unless something has changed. They do, however link your credit card to your Magic Band and can be done in advance like you said.I am kinda confused. Since this will be the first time we are going since the full implementation of the Magic Bands. I planned on having my Disney Visa already linked to my acct . I also planned on loading some Disney gift cards to my acct. I assumed, (this was probably my first mistake
Your card gets charged to start with any balance you might have due (you CAN use your gift card here) and then each time you get to/close to your limit (timing is iffy). You have to be proactive and present your gift cards at the desk AFTER charges have been made on your account, but before your limit processes to your credit card. If the latter happens, you can have it reversed, but it's a process.
Prince Thomas
Well-Known Member
I just literally LOL'd when i read Little Richard routine... #DEAD
EpcoTim
Well-Known Member
The bands or room charges actually reduce credit card fees by combining multiple sales into a single transaction.
DisneyDebRob
Well-Known Member
I must be in the minority because with the magic bands I actually don't charge as much as past visits. I think it's knowing it's so easy that I take the approach when considering a purchase, do I really need or want this and 9 times out of 10 I put it down. Guess that's weird but that's the way I approach it. Also as others have mentioned, there's not a whole lot I really want there. The previous amount is way more then I need.
Prince-1
Well-Known Member
I agree with you 100%. Disney can raise its prices as much as they want and they do not have to answer to anyone. They can even close half of a parks rides (I'm looking at you DHS) and they can still charge full price and they can even raise that parks admission price if they so choose to do so. And please stop with the childless jokes or even worse...barely thought out attempts of what you call a joke. It's embarrassing...pathetic even. I will IGNORE thee.
KaliSplash
Well-Known Member
This is good news. For those staying at a Value resort, you could hit your limit pretty easily in the middle your trip requiing a phone call or a trip to the front desk
GeneralZod
Well-Known Member
um...ok. Have a good day!
ford91exploder
Resident Curmudgeon
DVC usually stay in a 1BR or larger so eat some meals there but with the huge inflation of food prices. Ie Dinner at Boma now 50 bucks pp and depending on date can go as high as 64!!! Being a Scot those kind of prices simply drive me off property because Disney dining is not worth that kind of money. The dessert parties going up 2x in price this summer.
Just because I'm on vacation does not mean I toss fiscal prudence out the window
Disney grubbing for that last dime at least for me has caused me to reduce my Disney spending. That 2-3K is still getting spent but no longer at Disney
Lucky
Well-Known Member
Ticket prices, room rates, parking - pretty much everything has been increasing much faster than overall inflation in recent years. That's been documented plenty of times in other threads.