I just received my Disney Visa last night!!! When I called the girl went over a spill tell me everything about it which most I already knew...then she said a lot of people use to pay monthly bills and then pay off and I told her that is what I planned on doing.. then my DD4 started to get loud and the girl was explaining something about this to me???? Maybe setting something up online???? Can someone please tell me or explain if need be...I hate to call them back if I someone here can help...Thanks!