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You can turn your daily purchases into a fabulous Disney vacation. Bank One offers a new Visa Disney credit card that provides you and your family with great Disney rewards in exchange for making your everyday purchases using your travel credit card. You could turn your credit card debt into a fun-filled vacation or even valuable Disney merchandise. What could be better? Simply use your card at all the places you normally shop, including grocery stores, drug stores, and gas stations, and you can earn points that are redeemable for Disney vacations or theme parks. This is a travel credit card for the entire family.

How does it work?

When you buy products or services with your Disney credit card online or in person you automatically earn points, or Disney rewards that accumulate with each purchase. As you earn more and more points, you hit certain point goals that allow you to shop the Disney Store, Disneyland Resort, Walt Disney World Resort, Disney Cruise Line, the Disney catalog, or DisneyStore.com for merchandise like DVDs, Disney toys, or other fun Disney items like clothes and collectibles. But as a travel credit card, the Disney card also allows you to trade in your reward points for vacation packages to your favorite Disney theme park, including parking permits, admittance to the park, and discounts on Disney hotels and resorts.

Benefits

* The Disney credit card is a great way to put your credit card debt to work for you. As a travel credit card, the Disney offer makes your credit card balance an asset toward your future planning. In essence you receive a discount on everything you buy. But the discount does not come out of the purchase price of the products or services. Rather, it accumulates in a special reserve, your reward account, for your dream Disney vacation.

* When you wish to redeem your Disney reward dollars for a vacation, you can do so at any time. There are no blackout dates for vacation packages earned.

* A Platinum card comes with an array of specific benefits, all of which are included in the Disney Visa Platinum Card.

* There is no annual fee for the use of your Disney credit card. You can accumulate points, receive great deals on Disney merchandise, and plan for some fun-filled time with your family, all at no extra cost to you.

* The Disney Visa offers a very reasonable interest rate that will vary according to your credit rating.

If you are looking to apply for a credit card, than you’ll need to ensure that you have sufficient creditworthiness. In reality, this is no easy task – so if you are having problems with this, the following 5 credit building tactics should help.

1. Open a current account

All credit card companies like to see that their potential borrowers are responsible when given the opportunity to borrow money. However, if you only have a deposit account then there is no real chance that you could ever do overdrawn. A way to correct this is to open a current account with a high street bank and use it responsibly, i.e. don’t go overdrawn! In any event, in any application you make to a credit card issuer they are going to ask you for details of your current account so you may as well take the opportunity of using the past history of your current account to help in establishing your credit rating.

2. Have all your utility bills in your name

A second way you can start to build up credit brownie points is to put all your utility bills, e.g. your water, gas and telephone bills, in your name and make sure that you pay them all on time! Again, it is very likely that the credit card issuer will ask you to provide them with at least one utility bill when you apply for the card, so you may as well make use of this now as a tactic to start building up your credit history.

3. Apply for a charge card or store card

As most charge cards require you to pay off the balance in full each month, using this as a tactic to enhance your credit history is sound. Not only are you not really afforded the chance to default on a payment, but as the details are provided to several different rating agencies you can use this to building up your credit history.

4. Get a car loan

Applying for, and repaying in a timely manner, any type of loan is one of the fastest credit building tactics you can use. If you drive, and know you can afford to repay a car loan, you should give serious thought to taking out a car loan – even if it is just to refinance repairs on your existing car!

5. Do a credit rating check

Once you have completed the 4 credit building tactics above, apply for a credit report to perform a credit check. Provided you have been sensible with repaying all of you debts and bills in a timely manner, you should now have sufficient creditworthiness to apply for a credit card. In the event that you find an error on your credit report, make sure you take step to fix this as soon as you can. Furthermore, it is good practice to get into the habit of ordering credit check on an annual basis even after your credit card has been approved to that you can keep a track of your credit rating history as this will have the biggest effect on your credit building skills!