Disney VISA Snag

skwak · 10-13-2003

Just an FYI for anyone trying to use their Disney VISA in order to take advantage of the zero payments for 6 months on a 4 night minimum package (like the Fairytale ones): Beware!:(

I'll try and make the story brief but this may be important to some of you so bear with me. My package balance ($1500) just got billed to my Disney Visa (DV) along with the $73 balance I owe for the extra two nights that we booked under a room only code. My bill looked like I would start accumulating interest immediately so I called Bank One (Bank Zero, if you ask me). I assumed that I would pay the $73 and the other package balance would be 6 months interest free.:hmmm Made sense to me. However, I was told that if I submit a partial payment, it would be placed against the lowest APR (the 0% part). The rep. was very nice and explained to me that this has been an issue with many people. A supervisor is suppose to call me by Tuesday. I do not know how this will work out.:dazed

So as a warning, it you plan to use the card for this 0% / 6 month deal, do not use it for anything else. Isn't that the idea of having the card, to use it?:laugh Who thinks up this crud??:laugh

mattomouseman · 10-13-2003

Are they saying that you have to pay for the whole package up front to get the 0 percent APR for the whole package?

MickeyMac · 10-13-2003

It sounds like they can't break out a partial balance, or that the offer for 0% financing had a catch in the fine print. :(

skwak · 10-13-2003

Actually it looks like their system credits the lowest APR first (in this case the 0%) then the next highest and then the next, etc. So if I simply followed the rules I would only have two options:

Pay off everything now (where is the 0% in that) or pay the minimum but I will rack up interest on all my other purchases for 6 months.

I am waiting for a Supervisor to call me and explain if this can be fixed. I'll let you know when they call.

mattomouseman · 10-13-2003

I just called Disney Visa because I was concerned about our trip to DL in Feb. The account rep I spoke with said that no matter how you pay it (ie: 200.00 deposit and then the rest down the road) you still get the 0 percent APR as long as your package meets the requirements for the 0 percent (Number of days at Disney Resort and park passes) So according to what she said if I pay 200.00 today on my Disney Visa I will get the 0 percent on that and then if I pay the rest in say two months I will also get 0 percent on that portion. I asked specifically about making a deposit and then making a second payment. She said that as long as you pay for the whole thing, in installments or all at once on the Disney Visa you still get the 0 percent.

Did that make sense?!?!?

skwak · 10-13-2003

Mattomouseman, for normal folk like you and I this makes sense. However it is not what I was told by the customer service rep. as we reviewed my account. I have no doubt that I would be charged interest if I did not ask for intervention. The rep. even knew of the issue because it has been a problem and of course, to MickeyMac's point, I was told that this is explained in the tiny print card agreement document.

I will let you know what the Supervisor says when they call me.

joseph3947 · 10-13-2003

SKWAK I agree with you "Bank Zero". I have other bank cards with better deals! Just venting. Joe:devil

lopo · 10-13-2003

I, too, will not go into the complicated details RE: my Disney Card troubles (Although, prior to my using this card, I had a top notch credit rating), but I agree that Bank One seems to have their own way of doing regular business. And, just a warning, the customer service reps. do not necessarily give you the absolutely correct information. If you have a concern that you address with a CSR, make sure that you note all the pertinent details (time of conversation, csr's name, etc.)

mattomouseman · 10-15-2003

Skwak, Just wondering what the outcome to this was so I'm pusing it back up to the top!

skwak · 10-15-2003

Hi Mattomouseman,

I haven't forgotten about you. Banc One did not call by last night as promised. I called them early today and spoke to another rep (they say they can't transfer calls between reps - we can send a man to the moon but they can't transfer a call!).

She reconfirmed that this has been a big problem. She is suppose to call me today between 1:30 and 2:00 hopefully with resolution.

I'll let you know.

skwak · 10-15-2003

OK, I have the scoop.

In order to make this work, I have to pay off the smaller amount ($73) on my card this payment period (Thankfully I didn't charge anything else with this card). The Manager will then reset my account so that I can take advantage of the 6 months interest free.

Also, I cannot use my card for the next 6 months or I will be back in the same boat.

Apparently there is no systematic way to address this issue.

Bottom line - if you go this route, be prepared to be very involved in the resolution.:whistle:

Everyone at Banc One was very pleasant but IMO this is a mess.:dazed

**DisneyTeacher** · 10-15-2003

That is not a good solution in my opinion. Bank One did not think this through, now you can't charge on your card and earn points toward your next Disney trip. I have a card that has two different intrest rates on it; one for special promos and one for purchases. I wouldn't be very happy with Bank One if this happened to me because I am running all I can through our Disney Visa to earn point/dollars for my next trip and to have to put it up for 6 months (through Christams) wouldn't be good.

MickeyMac · 10-15-2003

I am very confused - could you explain what happened to me?

mattomouseman · 10-15-2003

OK I'm way confused now. Why can't you use your card? Are they saying that if you use the card you pay interest on purchases other then the Disney trip? Or are they saying that if you use the card you pay interest on everything on the card including the trip?

LRTJS · 10-15-2003

How confusing. I have applied for a Disney Visa but may cut it up when it comes now. Tell me, is there another bank besides Bank One that offers the Disney Visa?

10-13-2003	#1 (permalink)
skwak Pay me in Disney Dollars! Join Date: Aug 2002 Location: New Jersey Posts: 2,492	Disney VISA Snag Just an FYI for anyone trying to use their Disney VISA in order to take advantage of the zero payments for 6 months on a 4 night minimum package (like the Fairytale ones): Beware!:( I'll try and make the story brief but this may be important to some of you so bear with me. My package balance ($1500) just got billed to my Disney Visa (DV) along with the $73 balance I owe for the extra two nights that we booked under a room only code. My bill looked like I would start accumulating interest immediately so I called Bank One (Bank Zero, if you ask me). I assumed that I would pay the $73 and the other package balance would be 6 months interest free.:hmmm Made sense to me. However, I was told that if I submit a partial payment, it would be placed against the lowest APR (the 0% part). The rep. was very nice and explained to me that this has been an issue with many people. A supervisor is suppose to call me by Tuesday. I do not know how this will work out.:dazed So as a warning, it you plan to use the card for this 0% / 6 month deal, do not use it for anything else. Isn't that the idea of having the card, to use it?:laugh Who thinks up this crud??:laugh __________________ 2008 Oct. ~ SSR & 7 Days on the Disney Magic! 2008 Aug ~ Our New Vacation Home 2008 Apr. ~ Our New Vacation Home 2007 Dec. ~ Swan & VWL 2007 Aug. ~ POR & Contemporary 2006 Nov. ~ SSR, ASM and 7 Days on the Disney Magic! 2005 Oct. ~ VWL 2005 Apr. ~ BWV 2004 Oct. ~ OKW 2004 Sept. ~ SSR 2003 Oct. ~ POR & Caribbean Beach 2002 Sept. ~ POR & AKL 2001 March ~ ASSports 2000 Feb. ~ All Star Sports & Coronado Springs My Disney Countdown Counting down to: 8 Nights at Goofy's Grotto with the Entlers and Bussenos!! Gone to our Happy Place!

10-13-2003	#2 (permalink)
mattomouseman Grumpmeister Join Date: Jan 2003 Location: Westchester Co. NY Posts: 1,746	Are they saying that you have to pay for the whole package up front to get the 0 percent APR for the whole package? __________________ Disneyland1972 WDW1975 Disneyland1987 2000~CBR,2001~Wilderness Lodge 2002~Coronado Springs,2003 Poly, 2004 Disneyland Grand Californian NEVER FORGET, NEVER SURRENDER-GOD BLESS THE U.S.A.

10-13-2003	#3 (permalink)
MickeyMac Cherubic Chocoholic Join Date: Mar 2002 Posts: 2,233	It sounds like they can't break out a partial balance, or that the offer for 0% financing had a catch in the fine print. :( __________________ ... back in the frozen tundra!

10-13-2003	#4 (permalink)
skwak Pay me in Disney Dollars! Join Date: Aug 2002 Location: New Jersey Posts: 2,492	Actually it looks like their system credits the lowest APR first (in this case the 0%) then the next highest and then the next, etc. So if I simply followed the rules I would only have two options: Pay off everything now (where is the 0% in that) or pay the minimum but I will rack up interest on all my other purchases for 6 months. I am waiting for a Supervisor to call me and explain if this can be fixed. I'll let you know when they call. __________________ 2008 Oct. ~ SSR & 7 Days on the Disney Magic! 2008 Aug ~ Our New Vacation Home 2008 Apr. ~ Our New Vacation Home 2007 Dec. ~ Swan & VWL 2007 Aug. ~ POR & Contemporary 2006 Nov. ~ SSR, ASM and 7 Days on the Disney Magic! 2005 Oct. ~ VWL 2005 Apr. ~ BWV 2004 Oct. ~ OKW 2004 Sept. ~ SSR 2003 Oct. ~ POR & Caribbean Beach 2002 Sept. ~ POR & AKL 2001 March ~ ASSports 2000 Feb. ~ All Star Sports & Coronado Springs My Disney Countdown Counting down to: 8 Nights at Goofy's Grotto with the Entlers and Bussenos!! Gone to our Happy Place!

10-13-2003	#5 (permalink)
mattomouseman Grumpmeister Join Date: Jan 2003 Location: Westchester Co. NY Posts: 1,746	I just called Disney Visa because I was concerned about our trip to DL in Feb. The account rep I spoke with said that no matter how you pay it (ie: 200.00 deposit and then the rest down the road) you still get the 0 percent APR as long as your package meets the requirements for the 0 percent (Number of days at Disney Resort and park passes) So according to what she said if I pay 200.00 today on my Disney Visa I will get the 0 percent on that and then if I pay the rest in say two months I will also get 0 percent on that portion. I asked specifically about making a deposit and then making a second payment. She said that as long as you pay for the whole thing, in installments or all at once on the Disney Visa you still get the 0 percent. Did that make sense?!?!? __________________ Disneyland1972 WDW1975 Disneyland1987 2000~CBR,2001~Wilderness Lodge 2002~Coronado Springs,2003 Poly, 2004 Disneyland Grand Californian NEVER FORGET, NEVER SURRENDER-GOD BLESS THE U.S.A.

		MouseBuzz.com > Walt Disney World > WDW Budget Tips
Disney VISA Snag

10-13-2003	#6 (permalink)
skwak Pay me in Disney Dollars! Join Date: Aug 2002 Location: New Jersey Posts: 2,492	Mattomouseman, for normal folk like you and I this makes sense. However it is not what I was told by the customer service rep. as we reviewed my account. I have no doubt that I would be charged interest if I did not ask for intervention. The rep. even knew of the issue because it has been a problem and of course, to MickeyMac's point, I was told that this is explained in the tiny print card agreement document. I will let you know what the Supervisor says when they call me. __________________ 2008 Oct. ~ SSR & 7 Days on the Disney Magic! 2008 Aug ~ Our New Vacation Home 2008 Apr. ~ Our New Vacation Home 2007 Dec. ~ Swan & VWL 2007 Aug. ~ POR & Contemporary 2006 Nov. ~ SSR, ASM and 7 Days on the Disney Magic! 2005 Oct. ~ VWL 2005 Apr. ~ BWV 2004 Oct. ~ OKW 2004 Sept. ~ SSR 2003 Oct. ~ POR & Caribbean Beach 2002 Sept. ~ POR & AKL 2001 March ~ ASSports 2000 Feb. ~ All Star Sports & Coronado Springs My Disney Countdown Counting down to: 8 Nights at Goofy's Grotto with the Entlers and Bussenos!! Gone to our Happy Place!

10-13-2003	#7 (permalink)
joseph3947 Mouse Meister Join Date: Dec 2001 Location: CRETE, IL. Posts: 1,342	BANK ONE SKWAK I agree with you "Bank Zero". I have other bank cards with better deals! Just venting. Joe:devil __________________ Been There, Done That, GOING BACK AGAIN! Oct 20-29, 2009! CSR When You Wish Upon a Star! Jan. 75 CR, Nov. 77 RP, July 86-91 CBR, July 93-97 PORR, Dec. 98 WL, July&Oct. 99&00 CSR, May&Oct. 01-03 AKL&CSR, May&Oct.&Dec. 04 AKL&CSR, Sept. 06 DLR, May&Nov. 05-07 AKL&CSR&POFQ&SSR, May&Oct. 08 SSR My Disney Countdown Counting down to: Been There, Done That, GOING BACK AGAIN! Oct 20-29, 2009! CSR OFF TO WALT DISNEY WORLD

10-13-2003	#8 (permalink)
lopo Big Cheese Join Date: Jan 2002 Location: Greater Boston Posts: 849	I, too, will not go into the complicated details RE: my Disney Card troubles (Although, prior to my using this card, I had a top notch credit rating), but I agree that Bank One seems to have their own way of doing regular business. And, just a warning, the customer service reps. do not necessarily give you the absolutely correct information. If you have a concern that you address with a CSR, make sure that you note all the pertinent details (time of conversation, csr's name, etc.) __________________ "To the world you might be one person, but to one person you just might be the world". My Disney Countdown Counting down to: Going back! Zip-a-dee-doo-dah!

10-15-2003	#9 (permalink)
mattomouseman Grumpmeister Join Date: Jan 2003 Location: Westchester Co. NY Posts: 1,746	Skwak, Just wondering what the outcome to this was so I'm pusing it back up to the top! __________________ Disneyland1972 WDW1975 Disneyland1987 2000~CBR,2001~Wilderness Lodge 2002~Coronado Springs,2003 Poly, 2004 Disneyland Grand Californian NEVER FORGET, NEVER SURRENDER-GOD BLESS THE U.S.A.

10-15-2003	#10 (permalink)
skwak Pay me in Disney Dollars! Join Date: Aug 2002 Location: New Jersey Posts: 2,492	Hi Mattomouseman, I haven't forgotten about you. Banc One did not call by last night as promised. I called them early today and spoke to another rep (they say they can't transfer calls between reps - we can send a man to the moon but they can't transfer a call!). She reconfirmed that this has been a big problem. She is suppose to call me today between 1:30 and 2:00 hopefully with resolution. I'll let you know. __________________ 2008 Oct. ~ SSR & 7 Days on the Disney Magic! 2008 Aug ~ Our New Vacation Home 2008 Apr. ~ Our New Vacation Home 2007 Dec. ~ Swan & VWL 2007 Aug. ~ POR & Contemporary 2006 Nov. ~ SSR, ASM and 7 Days on the Disney Magic! 2005 Oct. ~ VWL 2005 Apr. ~ BWV 2004 Oct. ~ OKW 2004 Sept. ~ SSR 2003 Oct. ~ POR & Caribbean Beach 2002 Sept. ~ POR & AKL 2001 March ~ ASSports 2000 Feb. ~ All Star Sports & Coronado Springs My Disney Countdown Counting down to: 8 Nights at Goofy's Grotto with the Entlers and Bussenos!! Gone to our Happy Place!

10-15-2003	#11 (permalink)
skwak Pay me in Disney Dollars! Join Date: Aug 2002 Location: New Jersey Posts: 2,492	OK, I have the scoop. In order to make this work, I have to pay off the smaller amount ($73) on my card this payment period (Thankfully I didn't charge anything else with this card). The Manager will then reset my account so that I can take advantage of the 6 months interest free. Also, I cannot use my card for the next 6 months or I will be back in the same boat. Apparently there is no systematic way to address this issue. Bottom line - if you go this route, be prepared to be very involved in the resolution.:whistle: Everyone at Banc One was very pleasant but IMO this is a mess.:dazed __________________ 2008 Oct. ~ SSR & 7 Days on the Disney Magic! 2008 Aug ~ Our New Vacation Home 2008 Apr. ~ Our New Vacation Home 2007 Dec. ~ Swan & VWL 2007 Aug. ~ POR & Contemporary 2006 Nov. ~ SSR, ASM and 7 Days on the Disney Magic! 2005 Oct. ~ VWL 2005 Apr. ~ BWV 2004 Oct. ~ OKW 2004 Sept. ~ SSR 2003 Oct. ~ POR & Caribbean Beach 2002 Sept. ~ POR & AKL 2001 March ~ ASSports 2000 Feb. ~ All Star Sports & Coronado Springs My Disney Countdown Counting down to: 8 Nights at Goofy's Grotto with the Entlers and Bussenos!! Gone to our Happy Place!

10-15-2003	#12 (permalink)
DisneyTeacher Super Moderator Join Date: Jan 2003 Location: WDW in my dreams Posts: 18,310	That is not a good solution in my opinion. Bank One did not think this through, now you can't charge on your card and earn points toward your next Disney trip. I have a card that has two different intrest rates on it; one for special promos and one for purchases. I wouldn't be very happy with Bank One if this happened to me because I am running all I can through our Disney Visa to earn point/dollars for my next trip and to have to put it up for 6 months (through Christams) wouldn't be good. __________________ ~Stephanie~ 1993 Caribbean Beach Resort ~ 1996 Caribbean Beach resort ~1997 Caribbean Beach Resort ~2003 Wilderness Lodge ~2004 Beach Club Resort/Shades of Green/Pop Century~ 2005 Wilderness Lodge Resort/Beach Club Villas ~ 2006 Saratoga Springs Resort~2007 Port Orleans French Quarter/Beach Club Villas/Boardwalk Villas ~ 2007 Port Orleans Riverside~ 2008 Wilderness Lodge/Beach Club Villas~2008 Beach Club Villas~2009 Hilton Head Island~ 2009 Beach Club Villas My Disney Countdown Counting down to: Beach Club here we come 238 days 19 hours 22 minutes Last edited by DisneyTeacher; 10-15-2003 at 06:04 PM.

10-15-2003	#13 (permalink)
MickeyMac Cherubic Chocoholic Join Date: Mar 2002 Posts: 2,233	I am very confused - could you explain what happened to me? __________________ ... back in the frozen tundra!

10-15-2003	#14 (permalink)
mattomouseman Grumpmeister Join Date: Jan 2003 Location: Westchester Co. NY Posts: 1,746	OK I'm way confused now. Why can't you use your card? Are they saying that if you use the card you pay interest on purchases other then the Disney trip? Or are they saying that if you use the card you pay interest on everything on the card including the trip? __________________ Disneyland1972 WDW1975 Disneyland1987 2000~CBR,2001~Wilderness Lodge 2002~Coronado Springs,2003 Poly, 2004 Disneyland Grand Californian NEVER FORGET, NEVER SURRENDER-GOD BLESS THE U.S.A.

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10-15-2003	#15 (permalink)
LRTJS Southern Disney Belle Join Date: Jun 2002 Location: Alabama Posts: 2,403	How confusing. I have applied for a Disney Visa but may cut it up when it comes now. Tell me, is there another bank besides Bank One that offers the Disney Visa? __________________ Laughter is timeless,Imagination has no age, and dreams are forever! SUPER SOAP WEEKEND!!!!! DW Trip 30 ....CSR ROCKS!! French Quarter All Star Sports All Star Music Pop Century ^i^ * Postcard Pixie * ^i^ ~ Sharing the Disney magic ~ My Disney Countdown Counting down to: Thanksgiving Trip what a way to give thanks!!