Originally Posted By dlandfans How do you carry your money in Disneyland? I have used traveler's checks on the last few trips, but am thinking about just doing everything on debit card for security this time. (Do people even use traveler's checks anymore? I haven't seen anyone else with them.) You can't use debit, though, at the outdoor vending stations. Is there any benefit to using Disney dolllars? Thanks for the advice?
Originally Posted By dlkozy No benefit from the Disney $$-wish you got a discount with them! I don't bother with traveler's checks anymore-lots of places that I travel to do not accept them anymore. I use CC or cash.
Originally Posted By JAYDOE Well, I work for a credit union and we sell Travelers checks everyday....so someone is using them! :0) I always take travelers checks with me. I don't use a debit card, cause I feel like I have no control of the amount of $$ I am spending. I usually always take a set amount with me and never go over that amount. I also take cash. I guess with travelers checks, i feel fairly safe, because i know they can be replaced if you are to lose them or if they are stolen.
Originally Posted By mousegrl I use my debit card, and carry around just enough cash for snacks and things that you want to purchase quickly. (like at a cart) I love my debit card!
Originally Posted By alexbook If you do opt for traveler's checks, be aware that some stores will only take them if you have a photo ID with you.
Originally Posted By Darkbeer ^The one benefit for buying Disney Dollars, no ATM charges. So someone who wants to stick with a Debit Card, can get a few for the ODV carts, and charge everything else.
Originally Posted By SuzieQ I haven't used traveller's checks since I went to Hong Kong when I was 17. That was 1984! I use cash and debit card unless it is a restaurant or hotel. Then I use cash or credit card. I used to be a fraud investigator. Those are two of the easiest places to have fraud committed with a card and with a credit card you can fight the charges before you are actually out the $$.
Originally Posted By mousegrl Interesting, SuzieQ! I use my debit that has the Visa symbol on it. I've had checks stolen once, and Bank Of America was great at putting the money right back in my account. That's who my debit card is through, so I feel pretty safe. Hopefully it's the same procedure where if there is fraud on my card, it will be put back into my account. Thanks for the info.
Originally Posted By dzy76 I've used travelers cheques in the past and take some cash. I'm thinking of using my disney CC this time and some cash. That was I can earn points on whatever I buy for my next trip!
Originally Posted By LacyBelle ^^ That's what we do, dzy76. We use cash & Disney Dollars for 'cart food' and small purchases and our Disney Visa for meals and souvenirs. We like earning the points for next time, too.
Originally Posted By SuzieQ mousegrl, my accounts are BofA, too. The problem is, debit cards are cash straight out of your account. So while the bank will put the money back in, you are out the cash until they do so. That can take several days. And when you are on vacation, that's not always good, you know? You've still got to have the cash in your account to cover the rest of your vacation until the bank mess gets straightened out. Checks are different and quicker to have reimbursed. You knew they were stolen. With a debit card, the cash is gone before you know someone committed the fraud. There are card readers that fit in the palm of your hand. One swipe of your card, and a little hard drive stores all the information on the magnetic stripe. This data is then used to create a new debit card (they just stamp a blank of whatever type of credit card or debit card they have), and put your data onto their magnetic stripe. The card can be in their name, they can show their own ID, and the money is taken from your account without your knowing until you look at the account activity. I'm not at all paraniod about using debit and credit cards. I bank online, pay my bills online, and do quite a bit of shopping on the internet. But if you get any kind of education in fraud investigation, you quickly learn never to use a debit card for restaurants and hotels!
Originally Posted By dzy76 Suzie you've made a believer out of me! We also use BofA and just had a double transaction that they credited our account on. And once somehow someone on the internet got my husbands debt card number and spent about $600 before I noticed! They credited it all back and gave him a new card. I've never thought about using it at restaurants and hotels being a risk. I'll stick with my Visa and cash from now on!
Originally Posted By SuzieQ Anytime your card leaves your sight to be swiped, it's safest to use a credit card Glad your problems were resolved!
Originally Posted By mousegrl Thanks, SuzieQ! I'll definitley remember to use my credit card at hotels and restaurants from now on. Gosh, people can be so nasty.
Originally Posted By alexbook Does Disney Visa offer the option to put your picture on the card? I've seen those cards from some banks, and it seems like a good idea.
Originally Posted By dlandfans Suzie Q. - Thanks for the advice about using a credit card (or cash) instead of debit when your card leaves your sight/possession. I will be more careful about that now. I think I will have to look in to a Disney credit card. We rarely use credit, but it makes sense for safety (and earning points!). Thank you everyone for the advice!
Originally Posted By SuzieQ I tell you, one conference with the Fraud Examiner's Association really opens your eyes! The year we held the conference in Las Vegas was particularly enlightening, LOL
