Trifter

Every parent wants their children to experience the magic of a Disney tour. However, during these days, it’s not an easy matter to contemplate on. There are more pressing needs that the family has to contend with and a Disney vacation experience seems so far from having a possibility. Just the same if you really want to plan on it, you can simply go online and apply for a Disney Credit Card and enjoy the perks that come along with it.   

Applying for a Disney Credit Card with Chase is no more different when applying for an ordinary credit card. You simply supply the necessary personal information; include your Social Security Number, your gross household income for the year; and an attestation that your credit history is free from any records of bankruptcies. 

As in any credit card application, your credit report will be reviewed plus the information you supplied will be verified. Likewise, you must agree to their terms and conditions particularly the pricing and charges in case of late payments. There is also the matter of choosing the design that will appear on your Disney Credit Card. 

Now it is very important that you read the fine prints of every term and condition so you will be sure that you are not getting into something you might regret later. You may be enticed by the 0% introductory rate but take note that this 0% is only good for the first 6 billings cycle. After that, whatever purchases you make will be subject to interest rates at variables of 13.24% or 16.24% all depending on your Disney Credit Card purchase. 

Also, you should be clear on the matter of additional charges for your credit purchases. The introductory offer for new Disney Credit Card members does not exclude the $1.00 minimum finance charge. By minimum here, it does not mean that the finance charge is fixed at a dollar but possibly more which again will depend on your Disney Credit Card purchase. There is also the matter of the International Transaction fee of 3% based on U.S. dollar amount of the transaction, whether it was originally made using U.S. dollars or converted into a foreign currency. Most of all, you have to be wary of the late payment fees as well as the transaction fees in case you may need to do some balance transfers.  

Nevertheless, you can simply apply for the Disney Credit Card, have it approved, hang on to it and if luck will come your way, you and your family can simply take off for Disneyland without having to wait any further. Once you receive your Disney Credit Card, it’s an indication that you can now make good on your plans and purchase the Disney package available under the Disney Credit Card program.   

Currently included are Disney vacation packages like the “Magic Your Way Base Ticket at Walt Disney World, “All Disney Cruise Line, and “Adventures by Disney” packages. In getting the rewards for your credit purchases, you may want to evaluate how many Disney Credit Card purchases are needed in order to gain the rewards credit for a particular perk. 

You will earn $1 for every $100; hence, if you were to spend $2,000 for the travel, you stand to gain $20 in Disney Credit Card redeemable rewards. You will be able to buy some Disney souvenir or save your rewards credit for perks with higher value. Still, you will have to shell out more dollars in order to accumulate the rewards credit that you need. The only problem is, you may be able to realize the rewards goal after the 6 billing cycle is already up.

Your Disney Credit Card purchases will now be subject to interest charges, therefore entailing more costs. Evaluate if the rewards goal you’re after is still worth the amount you spend just to earn these points. Hang on to your Disney Credit Card and perhaps optimize the introductory offer at 0% interest for all it’s worth.