Originally Posted By mickeynewe ...BEFORE I die of embarrasment? Ugh, okay so recently there was a thread about Disney Visa on here and how they like to freeze accounts. Well, guess what happened to ME? Yep, you guessed it! I'm standing at the cash register at the Disney Store, with (3) 5-day hopper passes which totalled $530+, when the Cast Member tells me my card has been declined. What? Okay, so I know the card is valid...I know the bill is paid....they should be accepting my card. Of course, I'm humiliated, there are tons of people behind me and I stand there like a schmuck! I left the store without the tickets because at that point the only other credit card in my wallet is one I haven't used in such a long time that I was afraid that one WOULD get refused only because it was a large charge against a card that hasn't been used in probably over a year. And, unfortunately, I left my debit card at home in the back pocket of my work slacks that I had worn earlier in the day. Of course I called only to be told my account was frozen to protect me because...get this....its holiday time and it was a large charge and so they were trying to protect my account against fraudulent charges! Okay, so....hello? Do you NOT want me to use my card? I am so furious. My card is supposedly unblocked...and supposedly they've marked my vacation dates down...but as soon as we get home and I've used up our visa rewards card...say "goodbye" to Disney Visa. I won't cancel the card...because I want access to the 'perks' at the park...but I will not be using it any longer either. Sorry...my rant is over...I need to go think about Disneyland and get back to my "happy" place. PS...When you call Disney Visa to have your card "unblocked", that only clears your card and is valid for 30 days...something the rep told me! So, technically, 30 days from now I could have to go through this whole ordeal again....I THINK NOT!
Originally Posted By nemopoppins I'm the one who has been having the problems. After I cancelled one of my Chase cards, and after many, many freezes and calls, I think my Disney card is finally working again and they have seen the light to loosen the security on my card. Do you mean that it might happen again in 30 days????!!!! NNNNOOOOOOOO!!!!!!!!!!
Originally Posted By mickeynewe According to what the rep told me, and she volunteered this information, it wasn't prompted by me in any form or fashion, she said that when they put in their security notes for clearance they are only valid for 30 days, which means, technicaly after 30 days they can freeze your account again. Sorry to be the bearer of band news nemopoppins! This card just isn't worth it for me. Like I said, I won't cancel it because I want the free perks, but with so many reward cards out there...I'll try another one before I'm humiliated like this again. I've heard too many horror stories from others, and then to have it happen to me, just not worth it!!
Originally Posted By tink_26 Do you use your Disney Visa regularly or just once in a while? I ask, because I use my DVisa for EVERYTHING! I use it as a debit card! And I have never had a freeze on my accounts. I have had a rep call me to verify charges (during the holiday season) **Knock on wood* no problems here! Hope everything works out!
Originally Posted By mickeynewe I also use my card constantly tink-26. In fact, it is the only one I use. I regularly go online to make payments because I use it as much as possible to earn points so I make regular payments to pay back my charges...so I don't wait for a big bill to come at the end of the month. Its a more..pay-as-you-go card for us. As I have listened to other people's horror stories, I have had the same reaction as you..."well, I've never had any problems." Until NOW, and I have to say, I pride myself on my good credit and to be told my card was declined standing in line with a bunch of people behind me...it was a humiliating experience! One that I don't plan on repeating! For your sake, I truly hope your luck holds out!!
Originally Posted By nemopoppins I'd definitely recommend carrying another (Not Chase!) card if you want to continue using your Disney card. I'm online right now looking into a Citibank card.
Originally Posted By nemopoppins mickeynewe, try not to be embarrassed. You did nothing wrong. I hope the people in line were more understanding than critical.
Originally Posted By Kira I recommend citibank cards =) never had any issues with them really unless you make BIG consective payments all in one day, my mom has only had to unfreeze her account once or twice because of making several LARGE purchases on her account in one day. but all it took was one phone call and they unfroze the acccount with no issues =)
Originally Posted By tink_26 Yikes!! I hope you find a better card. Good luck with the search! I'll put an extra credit card in my wallet (just in case)
Originally Posted By 4Disnee I feel your pain Mickeynewe, I went thru that last year and it happened to me about 5 times. Knock on wood it has not happened lately but who knows when it will happen. My DH just bought a welder and spent a lot of money on the card so we may be next.
Originally Posted By fidoprincess Oh, Mickeynewe, so sorry that happened to you! I would just be so mad I would have to cut up the card and send it back with a long long nasty letter! I know we are all spoiled with the extra perks like the photos, but still! I hope you did go back and get your tickets at least. Just a few more days for us! What is going on at the Disney store anyway? I popped in there today and it was absolutely packed and there were no good sales, just a couple of "junk" type things on clearance for $2.99 like incredible sticker things and the only other "deal" was the $5 t-shirts. I would have bought those but my dd was with me and as it was she did pick out a shirt. They had an actual line set up in the middle of the store with ropes and poles! I guess it is already holiday shopping time?
Originally Posted By Kira ^^^^^ shopping time for christmas gifts has begun at the disney store. (since I'm there nearly every day working I can DEFINETLY tell you that this is why the stores are crowded). Plus the release of cars on DVD is bringing guests in by the droves. it's nuts.
Originally Posted By mickeynewe >>> I guess it is already holiday shopping time? <<< It must be because I can guarantee you it was PACKED last night, which was why I was so embarrassed. I haven't gone back yet to get the tickets. At this point, I may not even worry about it and just get them at the gate on Sunday night. I'll probably pay more at the ticket booth, but since we plan on upgrading to APs it really doesn't matter. Do the park hoppers at the gate still get (1) early entry????
Originally Posted By mickeynewe For anyone interested, my uncle just told me about Costco's American Express deal. No Annual Fee 3% Cash back on dining, even takeout 2% Cash back on traveling, i.e. hotels, airfare, etc. 1% Cash back on everything else. I've read all the details and have compared with other cards as well and think this is the one we will be going with. Just wanted to give you guys another alternative in case you were looking too!
Originally Posted By fidoprincess Hey Mickeynewe, I have that AMex card but it is a lot like discover in that not all place take it. I'm going with the Citibank Platinum Mastercard. Good cash back bonus and no strings!
Originally Posted By mickeynewe Most of the time I use my ATM Visa debit card so I can always use this card as a backup. I understand what you are saying tho. My uncle says he rarely runs into a problem where he can't use it...because that was one of MY big questions too! I'll see how it goes. Now, I just have to figure out which card I want to cancel because I only like having a certain number of "open" cards!
Originally Posted By nemopoppins If you cancel Chase, maybe they'll get it someday and turn their attention to real security matters instead of giving their customers a hard time.
Originally Posted By momofbuzzfan I am heading to the Disneystore this week to buy parkhoppers. Maybe I will call first to make sure I won't have any problems! Like someone already posted, we use ours for everything and haven't had a problem. I would hate to cancel the card, as the disney dollars are so much fun to get. We tried to pay our mortgate with the card but our mortgage company wouldn't go for it.
