I love credit cards so much!

[SouthFayetteFan]

My gut told me it wasn't temporary. The disney cards are so lame though, I can't imagine droves of people are suddenly going to start using them. That is silly.

ETA: It seems to me cash back is the way to go. Concentrating on chase URs for cat spend and cashing out towards a trip plus topping off with the discounted gift cards seems the best route now. Or a cash back card plus gift cards.

I'm currently in the process of analyzing my trip with the old way vs. signing up for new cards, cashing out URs/cash back cards, purchasing discounted Gift Cards to pay for everything, etc. Also looking at involving agency exclusive offers in there too. I am up to 12 scenarios right now and counting, LOL! I actually can get within 8-10k URs of the 1.50x in one of the more complex scenarios.

So here's an easy hypothetical example I came up with for my purposes...

You're booking a Disney trip for $3,000. A few days ago, you could have used 200,000 URs to pay for this trip in full thru my CSR.

NOW - I book my $3,000 trip and pay for it with $3,000 in gift cards. I would purchase those gift cards from Giant Eagle (Western PA area grocer) during a double fuel perks period meaning I get 12% value back in free gas. I sign up for a CIU card to buy those $3k in gift cards and earn 54,500 URs.

• I spend $3,000
• I earn $360 in Gas
• Redeem 264,000 URs to offset the remaining cost ($2,640)
• I Earn 54,500 URs back from my CIU signup and base spend
• Used a NET of 209,500 URs vs. the 200k URs I could have used before.

I don't want to over-complicate this here BUT I also am now analyzing the ability to layer in an Agency Exclusive offer (which you can't do with URs) and can basically get to a break even on the URs (If I'm willing to sign up for a card or 2).

The easy math here says you need to find a way to generate a 33.33% return on purchasing Disney GCs to make up for the 1.50x (CSR) vs. 1.00x (cash) difference...I'm mildly encouraged by my findings here.

 

[SouthFayetteFan]

Don't forget Hotwire or Priceline opaque deals too. Problem with those is they are last minute. So if you have room only booked at disney as backup (instead of package) you can cancel that if you find a great last minute hotwire/priceline rate. I think you mentioned wanting to do the dining plan though, so won't work for you unless you see something available further out. But it is a good option for another time.

I seem to recall UndercoverTourist does an extra 5% back on top of Disney's deals so that's another option out there. There's obviously a lot of ways to chase this one.

I'm actually not doing Dining Plan but I have very specific dates and resorts in mind for this trip so wouldn't do anything last minute.

My biggest issue with any of these plans would be actually cashing out the URs. Knowing me...I wouldn't do it, LOL. But in my mind I know I could if I needed/wanted to.

 

[Lain]

Oh nooooooooooooooooooooooooo! That was the only thing I had planned for the fall. Shoot now what? Is there no way at all to get the CP without spending?

You'll need to do a SW Biz and a SW Personal. You won't need to double dip the biz and personal because double dipping only applied to 2 personals to get around the 1 SW personal card/bonus rule.

 

[speedyfishy]

u/nuhertz who maintains the r/churning Disney Megathread just posted here https://www.reddit.com/r/churning/c...packages_no_longer_available_through/e651n3r/ on my Reddit thread discussing Disney & Ultimate Rewards saying:

I did get confirmation from someone in Cruise and Tour that this would be permanent.

"I do apologize it is going to be a permanent change as far as we know. Chase has a Disney credit card I guess they are trying to make sure they are used. This changed just last week."

Not sure how official, but sounds like it is not a temporary systems update.​

This is a situation to continue to monitor but that response sounds bleak. Of course yesterday @Albort shared a very different comment that was made from somebody on a throwaway reddit account stating:

I work in the travel industry as a software engineer and right now Disney is undergoing a huge revamp of the system they use to let external companies make bookings with them and it's causing issues with a lot of companies. I would wait until about mid-October to see if this is truly a permanent change.​

My rep said it was permanent now too and mentioned other ways I could get my Disney vacations and asked if I wanted to be transferred to someone to talk about other options. I didn’t but I wonder if they would have pushed the Disney Visa.

 

[SouthFayetteFan]

Oh nooooooooooooooooooooooooo! That was the only thing I had planned for the fall. Shoot now what? Is there no way at all to get the CP without spending?

Gotta look to the SW Business card now.

 

[SouthFayetteFan]

My rep said it was permanent now too and mentioned other ways I could get my Disney vacations and asked if I wanted to be transferred to someone to talk about other options. I didn’t but I wonder if they would have pushed the Disney Visa.

Yeah and as @Lain said this is likely a lot of speculation on both sides right now.

The unfortunate thing is anybody who was planning to book Jan/Feb trips with the discounts coming out in 2-4 weeks are caught in the middle of this. I'm engaging my Agency Exclusive rep and assuming to move on without the UR benefit for now.

 

[DisneyMandC]

Hmm well. I thought my RMN offer worked. I've never done it before so someone tell me what I'm missing. My CF was linked to my RMN, I selected the Walgreens offer earlier, and I am almost positive it said I had $10 pending just a few ago. Now it says $0 pending and when I go to the Walgreens offer again, it asks me to link a card as though I never had CF connected.

 

[elgerber]

Gotta look to the SW Business card now.

Those are not as easy to get as the Amex are with a "business" are they?

 

[magickingdomprincess]

I see this has been answered but either of those cards will code as x1 at Walgreens.

For RMN, you have to link the card, then use that card to buy the gc (I think you would have to do a $25 Disney and get $10 back via RMN). Best case scenario, it posts within a couple of days and you can link that offer again. Up to 3 times per month/or offer period. So, if you hit that a few times plus add in Staples, home depot, etc., you are getting some great discounts but it takes a little work and time.

If you want to do a discount in one swoop, the Best Buy route is probably better. Make sure you use SB to earn even more.

Is anyone having problems adding a card to the RMN offers or is it just me? I tried three different cc's and several different offers but received an error that it couldn't be added at this time, to try back in a few minutes.

 

[wendow]

I just went on a spree this morning. Great offers right now! I went to Home Depot, Walgreens, cvs, and staples. Home Depot is the only one I have never done before. All of these were like $10 back on $20-25. Whoohoo! I think you'd be fine buying a GC at kohls.

Did you do just a GC at Home Depot? I could easily get some DIY stuff there but it's more fun to use these offers on GC's

 

[speedyfishy]

Yeah and as @Lain said this is likely a lot of speculation on both sides right now.

The unfortunate thing is anybody who was planning to book Jan/Feb trips with the discounts coming out in 2-4 weeks are caught in the middle of this. I'm engaging my Agency Exclusive rep and assuming to move on without the UR benefit for now.

I’ve only booked direct through Disney. Can you get a better rate with a TA? Who do you recommend?

 

[wendow]

Is anyone having problems adding a card to the RMN offers or is it just me? I tried three different cc's and several different offers but received an error that it couldn't be added at this time, to try back in a few minutes.

I get that error with trying to add Amex cards but Visa work fine for me.

 

[DisneyMandC]

Is anyone having problems adding a card to the RMN offers or is it just me? I tried three different cc's and several different offers but received an error that it couldn't be added at this time, to try back in a few minutes.

Perhaps that's the same issue I just ran into, I posted right before you. Perhaps the app is just being weird.

 

[wendow]

I’ve only booked direct through Disney. Can you get a better rate with a TA? Who do you recommend?

We have the agency on DIS churners, as well as some names and emails

 

[wendow]

we are 0/7 on the sams offer. I used staples, Home Depot, cvs, and Walgreens on RMN all this morning.

The Sam's offer was only on both dh's and my Green biz card.

 

[Alexle2007]

I just went on a spree this morning. Great offers right now! I went to Home Depot, Walgreens, cvs, and staples. Home Depot is the only one I have never done before. All of these were like $10 back on $20-25. Whoohoo! I think you'd be fine buying a GC at kohls.

I did the same except I didn't have time to hit HD since I went to get pricing for hardwood floors from a local place and had to get back to work. (I should have planned my route better so that I wasn't constantly backtracking also.) $30 is pending already!

 

[SouthFayetteFan]

I’ve only booked direct through Disney. Can you get a better rate with a TA? Who do you recommend?

EpicVader might want to check out her PM on reddit...

 

[SouthFayetteFan]

Those are not as easy to get as the Amex are with a "business" are they?

Ummmm - there may be a small truth to that statement...but honestly if you haven't hit a ton of Chase biz cards and are keeping the right pace with Chase, I wouldn't be scared.

 

[kidsfirsttrip]

Hmm well. I thought my RMN offer worked. I've never done it before so someone tell me what I'm missing. My CF was linked to my RMN, I selected the Walgreens offer earlier, and I am almost positive it said I had $10 pending just a few ago. Now it says $0 pending and when I go to the Walgreens offer again, it asks me to link a card as though I never had CF connected.

Ugh mine did the same. Everything is wiped out!! Def some sort of glitch

 

[DisneyMandC]

The Sam's offer was only on both dh's and my Green biz card.

Do you have to be a Sam's member to order online with that offer?