Okay folks, I just read all 58 pages of posts and my eyes are crossed. I do have major cognitive issues so apologize in advance if I'm not understanding something that is said or may have already been posted. I'm trying to understand this new brainiac Disney policy and how it applies to our situation.
We are DVC members so stay on our points and no balances owing upon check in. We are Canadian. We use our magic bands to charge everything, especially when going during Food and Wine. Hey, those charges add up throughout the day! We do like to indulge.
Here are my concerns:
- We have a US dollar bank account which is a visa/debit/checking account in Georgia. We have a limit of 8 transactions per month. (ridiculous, but that's the deal) Before the new hold policy, we used to pay our charges at check out with one transaction from this account. Now, we won't be able to from what I understand. (because holds will have been used up in 6 days. We are there for 12 days)
- Our credit cards are Canadian and we pay a higher exchange rate on the dollar in addition to a 2.5% additional fee on US$ purchases. Our credit card is notorious for flagging for fraud. (even when notifying them of travel)
- We like the convenience of using our magic bands to charge everything. Instead of worrying about holds/double holds (actual purchases made plus Disney's new holds) and tying up our bank/credit card accounts, can we just give the front desk $2000 cash and apply it to our magic band account so we don't have to walk around with all of this cash in our pockets? We enjoy drinks and meals at the pool and don't really want to carry cash with us, know what I mean? From the horror stories I've read, it would be our luck to get down there and have our credit cards flagged and purchases declined by no fault of our own and time wasted trying to sort this crap out. I hope this is not clear as mud... people should not have to stress out on their vacation. It's bad enough that we have to plan our park days, dining options and fast passes by the hour. Next, it will be bathroom breaks. Gone are the days of just getting up and going and not having a care in the world.