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Why??
if you have the discipline to spend up to what you have on a debit card, why can't you use a credit card and reap the rewards? I simply do not get the allure of a debit card, when a credit card offers you "float" & rebates.
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Originally Posted by JROriole8Fan
if you have the discipline to spend up to what you have on a debit card, why can't you use a credit card and reap the rewards? I simply do not get the allure of a debit card, when a credit card offers you "float" & rebates.
Not only that, but your fraud liability is typically waived on a credit card (and the maximum allowed by law is $50). With a debit card, not only are you fighting to get money put back into your account, but your liability may be unlimited depending on when you report it.
Steve (aka brownie)
INTERCOT Staff: Accommodations & Mousellaneous
ASMv 4/00, 10/01, 11/03, 5/21
ASMu 8/12, 11-12/22
AKL 6/18
BC 9/94
CSR 8/14, 3-4/22
POP 11-12/10, 3/12, 10/12, 7/17, 4/22
POFQ 10/01
POR 9/04, 1/16, 11/19
WL 12/03
Disneyland 6/07, 1/15
Disney Dream 8/14
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The Disney Debit card benefits those that either were not approved for the credit card or do not want to add to their debt. I have the debit card and it saved us over $100 on our trip last week between the shopping, dining and photo savings.
In these times when people are struggling to rebuild, a credit card is not always an available solution.
Hopefully when we are in a better place, we'll consider the credit card, but right now we don't want to add to our debt. It's great that they came up with an option for those of us that aren't in a position to get the credit card.
Debbie
Feb 87- off site/Nov 98-Poly
98- Disney Magic Inaugural Cruise
Jul 03-off site
Sept 05/Aug. 11/Nov '20 -Pop Nov 08-POR
Aug 09/May 10-ASMu
Nov. 09-Disneyland/California Adv.
Aug. 12- OKW
Aug 13 SS
Oct 14 AKL/AoA
Oct. 18 POP
Aug 19- Movies
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Originally Posted by dizneydeb22
In these times when people are struggling to rebuild, a credit card is not always an available solution.
Hopefully when we are in a better place, we'll consider the credit card, but right now we don't want to add to our debt. It's great that they came up with an option for those of us that aren't in a position to get the credit card.
Good point. My first thought was similar to the other posters, but thanks for the reminder to be more compassionate. I can think of a lot of situations now where the Debit Card is a good idea.
Past Visits:
1984 & 85 Off Site
1999 CBR
2003 BW/GF
2009 WL
2011 Poly
2013 YC, WL, CR (good year!)
2014 AKL
2015 GF, CS , Poly, SSR
2016 YC, Universal Portofino, GF, Waldorf
"Some people never go crazy. What truly horrible lives they must live." - Bukowski
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Truth is, many people live well beyond their means, so I agree that a credit card is often a dangerous tool. Kudos to those that know their limits.
For us, we use and abuse the Disney Visa, almost to the point of feeling guilty for the rewards. But hey, if they want to give me free money, I'll take it. With the premier card, we've got small fortune sitting in reserve.
But, without those rewards, Chase wouldn't be my choice of banks. Not by a long shot, I'd be using a credit union card.
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I keep trying to tell my son to move on from his debit card to a credit card, but he likes it. It was a way for him to use plastic right away as a form of payment (not having to carry cash) and he says he knows how much he has at all times.
Offsite...(12/97 & 10/99)
DL...(10/02 & 5/05)
CBR/Disney Wonder 2004, AllStar Music 2004, AKL 2006, POP 2006, POP 2007, Poly 2007, BWI 2007, WL 2008, CSR 2009, Poly 2009, CBR 2010, AKL 2011...
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Originally Posted by dizneydeb22
The Disney Debit card benefits those that either were not approved for the credit card or do not want to add to their debt. I have the debit card and it saved us over $100 on our trip last week between the shopping, dining and photo savings.
In these times when people are struggling to rebuild, a credit card is not always an available solution.
Hopefully when we are in a better place, we'll consider the credit card, but right now we don't want to add to our debt. It's great that they came up with an option for those of us that aren't in a position to get the credit card.
Thank you, you said everything I was going to say
2001- off site
2004- cbr
2005- pops
2006 - all star vacation homes
2010-off site (holiday inn downtown disney)
2013 por
2016 cbr
2019 por
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I'm really glad they brought the debit card back. Unfortunately, they don't have banks in our area, so the website says that because I can't open an account, a debit card would not be an option.
I'm paying off my credit cards, only a few months left to go, and really don't want to open other credit cards again for awhile. Hopefully they will open up a bank around us soon.
Laura
VMK: CL_MissAstroCat
Jan 1982-1992-OS • July 1993 - DL Paris • June 1995-ASM • Mar 1998-OS • Jan 2001-OS • Dec 2005- POFQ • Jan 2007- POFQ & Dolphin • Mar 2008- CB • Aug 2008 - Poly • Nov 2012 - POR • Nov 2014 - CSR&AKL • Mar 2015 - POFQ & HilBV • May 2015 - ASSp • Mar 2016 - CB & HilBV
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I just signed up for the Debit Card and I already have the premier Disney Credit Card. I got the Debit card plain and simply because its cute! I will probably never use the card its just going to look cute in my wallet!!
Thanks for letting me know the card was available!!
If you can dream it, you can do it ...Horizons
**Been there, done that at Disney!!!**
Next Trip:
Post Mother's Day trip May 2016
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