EXPIRED - Direct Sales Incentives - Summer 2020 - Expanded list!

[Sandisw]

You get all current UY points. Meaning if your UY is October/November/December you are still in your 2019 UY. So you would get your current UY points which are '19 that DVC would bank for you even though you are past the deadline (or at least that has been the case).

Also you only pay prorated MFs regardless of what you purchase so in theory are getting those MFs for "free".

EDIT: To add that do not set your UY just to get some extra points. If you travel between Sept-Dec each year those UY would be terrible to have and cause all sorts of headaches in the future.

There is no November UY.

 

[Duckbug.Ducktales]

So what is all this 30/60/90 about or other creative purchase models? Our original direct DVC purchase we did the Disney Visa 6 month 0% stuff, but I may be able to convince the Mrs. on another direct buy if the $ timing works out.

If your use year hasn't passed yet, you can get last year's points

 

[TinkB278]

So what is all this 30/60/90 about or other creative purchase models? Our original direct DVC purchase we did the Disney Visa 6 month 0% stuff, but I may be able to convince the Mrs. on another direct buy if the $ timing works out.

What is this 0% disney visa deal you are speaking of? Wondering if I should hurry up and get the Disney visa.

 

[sethschroeder]

There is no November UY.

Well besides that hahaha

I always forget what "random" months Disney skipped.

 

[sethschroeder]

What is this 0% disney visa deal you are speaking of? Wondering if I should hurry up and get the Disney visa.

So if you charge the purchase to a Disney VISA you get 0% for 6 months on that card. You can also do a spread payment of 30/60/90 on the contract in addition to that to buy even more time.

You still need to do the down payment but most of the payment can be delayed.

 

[Lorana]

So what is all this 30/60/90 about or other creative purchase models? Our original direct DVC purchase we did the Disney Visa 6 month 0% stuff, but I may be able to convince the Mrs. on another direct buy if the $ timing works out.

What is this 0% disney visa deal you are speaking of? Wondering if I should hurry up and get the Disney visa.

If you have the Disney Visa - regular or Premier - you get 0% financing for 6 months for DVC (as well as WDW & DL packages, Disney Cruise, Adventures by Disney). You also get 1% back for the regular Disney Visa, or 2% back for the Disney Premier Visa (absolutely worth the $49 annual fee to have the Premier version; you can always downgrade later to the regular version after making your DVC purchase).

The 30/60/90 has to do with spacing out your direct payments. DVC will let you pay in increments over 90 days. Those increments do not need to be even; as an example, I did 10% down, $1000 at 30 days, $1000 at 60 days, and balance at 90 days. If you time it right after your statement cuts, that gives you an extra 30 days before the 6 month period kicks in too (which is what I did). This allows you to spread out payments, and gives you effectively 9-10 months of 0% interest on that final charge.

 

[TinkB278]

So if you charge the purchase to a Disney VISA you get 0% for 6 months on that card. You can also do a spread payment of 30/60/90 on the contract in addition to that to buy even more time.

You still need to do the down payment but most of the payment can be delayed.

Can you charge the entire dvc purchase? Or just a down payment?

 

[Sandisw]

Can you charge the entire dvc purchase? Or just a down payment?

The entire thing, There is just a $10k limit per day but I put all my RIV last year on the cards.

 

[BrianR]

If you have the Disney Visa - regular or Premier - you get 0% financing for 6 months for DVC (as well as WDW & DL packages, Disney Cruise, Adventures by Disney). You also get 1% back for the regular Disney Visa, or 2% back for the Disney Premier Visa (absolutely worth the $49 annual fee to have the Premier version; you can always downgrade later to the regular version after making your DVC purchase).

The 30/60/90 has to do with spacing out your direct payments. DVC will let you pay in increments over 90 days. Those increments do not need to be even; as an example, I did 10% down, $1000 at 30 days, $1000 at 60 days, and balance at 90 days. If you time it right after your statement cuts, that gives you an extra 30 days before the 6 month period kicks in too (which is what I did). This allows you to spread out payments, and gives you effectively 9-10 months of 0% interest on that final charge.

So lets work out an example here. Disney premier visa, Statement date was 9/14. 200 pt. RIV at $160 / pt comes out to $32000. 10% down would be 3200. 30 day $1000, 60 day $1000, and 90 days the remaining $26800. Are all of those items 0% for 6 month items? So the $3200 would be due at day 180 before interest kicks back in, the $1000 at 210 and 240 days, and then the $26800 at 270 days? That seems wild and crazy? Or is there something missing where you mentioned 9%?

 

[Lorana]

So lets work out an example here. Disney premier visa, Statement date was 9/14. 200 pt. RIV at $160 / pt comes out to $32000. 10% down would be 3200. 30 day $1000, 60 day $1000, and 90 days the remaining $26800. Are all of those items 0% for 6 month items? So the $3200 would be due at day 180 before interest kicks back in, the $1000 at 210 and 240 days, and then the $26800 at 270 days? That seems wild and crazy? Or is there something missing where you mentioned 9%?

It is exactly that wild and crazy! If your statement just cut, however, you'd actually have 210, 240, 270, and 300 days, as the charge made today at $3200 would have all billing cycle before it gets put on the 6 month plan, so it's payment would be due 4/14/2021 (and so on and so forth).

The 9% was a typo, where I hit 9 instead of 0 for it being 0%, which I corrected above.

You would then also earn 2% back on that $32,000, for $640 Disney Rewards Dollars.

I put all my Direct Purchases and Annual Dues (MFs) on my Disney Premier Card, and then use my Disney Reward Dollars towards our APs each year.

 

[LTJoeFlo]

The entire thing, There is just a $10k limit per day but I put all my RIV last year on the cards.

Are we sure about the $10k limit? Is this per card? I ask because I charged $16k on 2 credit cards (each had a negative balance due to cruise refund). Both charges were on same day. One for $7k and the other for $9.7k. When I said how much I was putting down, the advisor never warned me about a limit. And this was before I mentioned that I was going to use two cards. Just curious.

 

[becauseimnew]

Are we sure about the $10k limit? Is this per card? I ask because I charged $16k on 2 credit cards (each had a negative balance due to cruise refund). Both charges were on same day. One for $7k and the other for $9.7k. When I said how much I was putting down, the advisor never warned me about a limit. And this was before I mentioned that I was going to use two cards. Just curious.

I think it's $10K per card per day.

 

[masupo]

I think it's $10K per card per day.

Is that a Disney credit card limit per day or any cc?

 

[harmon54]

Does anyone know if you have to call to upgrade to premier as I don’t see an option online to do so?

 

[benedib99]

I think it's $10K per card per day.

I made a payment for just over $20k, on one credit card today.

 

[sethschroeder]

Are we sure about the $10k limit?

The $10k limit is the terms and conditions limit on the Disney Visa to get the cash back on the purchase. Most people report doing more and getting paid. I would rather be on the safe side personally.

Also if you get to the end and you have $20k/$30k whatever left Disney may choose to charge it across 2 or 3 days at day 88/89/90 to finish off the full payment.

 

[LTJoeFlo]

Does anyone know if you have to call to upgrade to premier as I don’t see an option online to do so?

I think you do. I had to call to downgrade to regular so I would assume the process is the same to go the other way. There is no additional credit check or anything. My limit stayed the same, just the benefits changed.

 

[striker1064]

Does anyone know if you have to call to upgrade to premier as I don’t see an option online to do so?

For Chase, you need to call.

 

[Lorana]

Are we sure about the $10k limit? Is this per card? I ask because I charged $16k on 2 credit cards (each had a negative balance due to cruise refund). Both charges were on same day. One for $7k and the other for $9.7k. When I said how much I was putting down, the advisor never warned me about a limit. And this was before I mentioned that I was going to use two cards. Just curious.

The $10k limit per day is to qualify for the 0% financing. DVC will break up your payments over multiple days if it's more than $10k to ensure you get the financing and cashback.

 

[Sandisw]

Are we sure about the $10k limit? Is this per card? I ask because I charged $16k on 2 credit cards (each had a negative balance due to cruise refund). Both charges were on same day. One for $7k and the other for $9.7k. When I said how much I was putting down, the advisor never warned me about a limit. And this was before I mentioned that I was going to use two cards. Just curious.

Sorry. It was per card. I have two Disney Visas