Disneyland General
Topic: Disneyland to allow AP holders to make payments

#	Author	Message
51	danyoung Sat 9/20/2008 3:46p	>But there will probably be more people who let it build on the credit card.< What's the difference between someone putting $400 all at once on their credit card and putting $35 a month on? It's the same amount being financed - the monthly bill is just easier to handle up front.
52	Liberty Belle Sat 9/20/2008 5:42p	>>And for those who previously just couldn't afford an AP but now can afford $35 a month, well, they'll go more often, buy more food, buy more souvenirs, maybe even stay in the hotel a time or two in a year. Seems like a win for everybody.<< Well said, I agree. I don't see what's 'irresponsible' about budgeting for this over a year instead of paying it all in a lump sum, especially since it's interest-free. It's probably not something I would do (I say this because the park where I have an AP here in Australia offers a payment plan and I choose to pay the once-off sum) but I think it's great that they have an option for people who might not have the money in their pockets to pay for APs for their family upfront.
53	llanatoye Sat 9/20/2008 7:05p	I honestly don't understand why there is a controversy over this. It's a personal issue for each individual or family. I don't particularly care or want to know how someone affords or pays for their AP. None of my business. And if the park is too crowded because more people have found a way to afford the price of admission then I say good for them and good for the park. I like being around happy people, I like having fun. If it's too crowded for the one's that are complaining about too many people visiting the park then maybe you are the one's that should stay home. ok, I'm done.
54	LuLu Sat 9/20/2008 9:58p	Wow - amazing - I just read that you can use your free birthday tickets as the initial payment on the AP. One thing I'm confused on - are we just *assuming* there's no interest charge? I didn't see that spelled out. It seems Disney would want to charge interest to cover the people who weasel out of paying the full amount by canceling their credit card or something...
55	LPFan22 Sat 9/20/2008 10:28p	So if my current AP expires today (it really does by the way) and I wait until November will I be considered a "new" AP holder... or is this for people who have never had an AP before?
56	LuLu Sat 9/20/2008 10:34p	Well, this exchange was posted on the other site: If our pass expires on the 1st of Oct. are we considered NEW on Nov 4th???? The way it was explained to me is that the renewal letters sent to the November and December-expiration passholders won't include this option because the program wasn't finalized at the time the letters were prepared. If your pass expires 10/1 and you don't renew, then you can buy an AP on the monthly payment plan on 11/4.
57	Mr X Sun 9/21/2008 6:31a	***weasel out of paying the full amount by canceling their credit card or something*** I can't believe it works that way. Tons of companies offer those sorts of payment options, I doubt they'd leave themselves open to getting shafted just because someone throws away their card. I think in that case the customer would still get stuck with the bill every month..and if they refused to pay it would be the banks problem, not Disneys. I'm just guessing.
58	ImTempest Sun 9/21/2008 1:53p	Just my perspective: I'm headed to DLR the last week of October with my husband and son, for the first use of our new PAPs. We saved up for 10 months - put aside money here and there, saved all our change in jars, saved our recycling money, etc... It feels amazing to go, knowing the passes are "free and clear". Could we have put them on a credit card? Sure we could. But I like it this way much better. We've already started saving again for next year's passes.
59	SuperDry Sun 9/21/2008 4:20p	<<< I think in that case the customer would still get stuck with the bill every month..and if they refused to pay it would be the banks problem, not Disneys. >>> It would be the bank's problem if a bank was financing it. This is the way things like "no interest for 12 months" at an appliance store work. There's a bank that is financing the purchase, and the store gets paid up front by the bank (minus whatever charge the bank is going to make to the store). If the customer doesn't pay, then the bank will come after you, typically with a letter-writing campaign, phone calls, and reporting the delinquency on your credit report. However, in this case, my educated guess is that Disney is self-administering and self-financing this plan. They're just going to charge your credit card each month, and if the payment doesn't go through, they block your AP. If you end up not making good on your end of the bargain, I highly suspect that the worst that will happen is that you'll get a few letters in the mail and that you won't be able to use that AP or get another one in the future until you pay up, but that nothing beyond that will happen.
60	danyoung Sun 9/21/2008 7:49p	But you need that bank to finance a purchase where hardware is involved (a new fridge, a new TV, a new car). An AP is an intangible, and there's really no money out of pocket for Disney to provide them. All this will take is a payment processing center to log the payments. That center would then put out a report each month on who hasn't paid, and their AP's get deactivated. Very simple, efficient, and easy to track, all within the Mouse House.

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