I have read the info on the 100+20 "bonus" and a couple related posts...basically, we could get 166 resale for the same price HOWEVER, if we go thru DVC (as we have w/our 50 &30 add ons) we could use our DISNEY VISA and pay it off w/in 6 months. Going resale, we would probably only look at adding 50 pt or so contracts b/c as much as I love my DVC, I am not willing to go into debt and this is what we can afford to do. This would get us to 330 pts. which would make me very happy.:cool OUr history 150 WVL initally in 2001; 50 add on SSR; 30 add on BLT all bought THRU DVC (yes, I know not the smartest but did not know about resale & only wanted small contracts w/the specials) 1: Again, I am very budget minded. Would get pts on Disney Visa as well which I could get on resale but wouldn't get those extra months to pay. THANKS for opinions.