Does Anyone Have a Disney Credit Card?

Wow, just wow, the poor person asks about a credit card program and gets lectured of the evils of credit cards. So a study of credit card use at McDonalds shows spending 47% more.....could that be because you only had $10 in your wallet and spent $12.50. Hello! people don't carry cash anymore, we don't like when we lose it or worse yet it is stolen. I detest flawed data. :(

Yes don't use credit cards to buy anything you can't afford in the first place. Oh wait, no one has given that simple advice.

Kelly, make sure it has a true grace period. Some credit cards get you by charging upwards to 29% with no grace offering say a 2% reward. Without the grace period you are still paying quite a bit of interest and def not saving a penny.

Sorry if I seem a bit irritated but you have no idea how many people wander this planet advising strangers on credit card use when they have no idea what your financial situation is. It starts to feel like don't forget to brush your teeth before you go to bed, really?, I had no idea, oh wait, I have been doing that all along. Ya know?

I LOVE mine! I don't spend too much on it, but I have earned quite a bit of points that turn into Disney dollars at the parks and can also be used to purchase Disney merchandise at retailers (you will have to see the site, etc for more specific details).....There are also special member meet and greets at the parks and special member ticket sales for Broadway shows, events, or merchandise....All sorts of good stuff if you are a Disney fan....LOVE my card! Have had it since it became available and have NEVER had any issues with any of the perks or getting the rewards I've earned.

Wow simple question and you're getting attacked for using a credit card. Whatever. I have the disney card and love it. The percentage for points on it is not that great but you can use whatever you earn at the stores, online or at the parks on merchandise. You also get a bunch of discounts and extras at the parks. I've been saving up my points for 3 years and will be using them this summer when we go for vacation. Be sure to check the interest rates as I don't really follow what they might be. I'm one that pays the entire bill every month and never carry a balance.

I have had the Disney credit card since the day it was issued. Two years ago we went to Disney World & our Disney Dollars paid for our room & 7 day park hopper passes for our family of four. We stayed in one of the family suites in the All Star resorts. We did the trip again this past year & it once again pid for our stay in the family suite. We had free park hopper passes so the extra dollars we had were like free money to spend however we wanted. If you are a Disney fan & plan on going to Disney the card is well worth it!!!

I do'nt have one, but my mother-in-law does. She loves it! She's a disney freak and loves to get to spend money in the disney store (which seems to be the rewards). If you're into it, doesn't seem to hurt. I personally like my amex for 5% back at grocery stores and gas stations!

yes, and obviously, don't over use ;)

Whatever perks you get won't be worth it when you take into account all the interest you'll pay. Unless you are the type of person who pays the ENTIRE balance on time EVERY single month, and that has been your track record, don't do it. Sorry to be negative- just hoping to spare you and those reading this all we went through. We cut up ALL of our cards close to a year ago, and we're STILL paying them down. It sucks! We've become BIG Dave Ramsey fans, and will never ever get another credit card again. We can do all the same things with a Debit card that we used to do w/ a credit card- hotel reservations,
ordering things online, etc. and we actually spend less because we have to keep in mind the balance in our account. When we payed w/ credit, we spent money on a bunch of stuff we probably didn't really need anyway.
Sorry for the rant- we learned the hard way :(

There is no positive side to credit card use. You will spend more if you use credit cards. Even by paying the bills on time, you are not beating the system! But most families don't pay on time. The average family today carries $8,000 in credit card debt according to the American Bankers' Association.

Now let's talk about the rebates. The Disney points are probably similar to those "automobile rewards" programs and if you were using a credit card at 5%, you would have had to have spent $80,000 to get $4,000 rebates on new cars that lost $6,000 of value when you drove them off the lot. That is not a good deal!

When you pay cash, you can "feel" the money leaving you. This is not true with credit cards. Flipping a credit card up on a counter registers nothing emotionally. A study of credit card use at McDonald’s found that people spent 47% more when using credit instead of cash. 47%!!!! I doubt a few free lunches at Disney or even $100 in "free merchandise" justifies that type of overspending!