Buying Direct Question

[Brianstl]

That’s what it sounds like. But if that’s your plan, why not put it on another credit card?

There’s cards right now from BoA and Wells that gives 0% for one year plus $200 cash back upon spending $500/$1000. And then if you still have a $5,000 balance, a balance transfer intro card typically allows another year at 0% but racks on a 3-5% fee on the balanced transfer; which amounts to $150-$250 (paid for from your first promo) That’s essentially 2 years of financing for no interest.

For the record, I don’t really support carrying credit card debt. But if you’re going to do it, there’s ways to reduce the burden.

The Disney card is currently is currently offering a $200 account credit for $500 charged for new members.

 

[Yinn]

The Disney card is currently is currently offering a $200 account credit for $500 charged for new members.

But only 6 months of 0%. There’s others with a full year.

 

[LuigiSpice]

But only 6 months of 0%. There’s others with a full year.

The 6 months applies no matter how long you've had the card, not just new holders so it's nice if you don't want to get another card

 

[Brianstl]

But only 6 months of 0%. There’s others with a full year.

Put the purchase on multiple cards and get as many account credits as possible.

 

[Core Four]

I believe you get 6 months from purchasing DVC with the Disney Visa all the time, not just when getting the card. Can anyone confirm this?

This is true. I had a Disney visa for several years before adding on at Kidani . I got 6 months interest free.

 

[smurphym]

I was just chatting online with a dvc rep, I'm trying to get all the detailed information I can get about purchasing 75 pts before it goes up to 100 minimum on tues. he claimed he couldn't give me many details unless I called him. anyways, does anyone remember what the closing costs are? i'm considering paying cash, I prefer not to finance, so im trying to figure out what the total cost would be. also, is there any other costs such as a deed fee and so forth? thank you for your help!

 

[LuigiSpice]

I was just chatting online with a dvc rep, I'm trying to get all the detailed information I can get about purchasing 75 pts before it goes up to 100 minimum on tues. he claimed he couldn't give me many details unless I called him. anyways, does anyone remember what the closing costs are? i'm considering paying cash, I prefer not to finance, so im trying to figure out what the total cost would be. also, is there any other costs such as a deed fee and so forth? thank you for your help!

I believe my closing costs are about $350 on 75 points at SSR.

 

[smurphym]

I believe my closing costs are about $350 on 75 points at SSR.

great, thank you luigi. any other costs at closing that you know of?

 

[MickyLynn]

Our closing cost was $432 for 75 points, it included recording fees, transfer tax, title policy, and document prep.

 

[smurphym]

Our closing cost was $432 for 75 points, it included recording fees, transfer tax, title policy, and document prep.

ok thank you micky

 

[EYL]

The Disney card is currently is currently offering a $200 account credit for $500 charged for new members.

Not sure if you're referring to the "regular" card that has no annual fee or the "premier" card that has the $49 annual fee, but if you search for it, you can find a Premier card promo that comes with a $250 account credit for $500 charged. That, plus double the Disney Rewards than the "regular" card... Could add up. This is in addition to the 0% finance charges for 6 months. I'd post a link, but am not sure if I'm allowed to.