Blue Card decision for Poly, Copper Creek, or VDH?

[Brian Noble]

I forgot to add in my example a situation where Disney had raised the Blue Card eligibility to 200 or higher: Am I locked in at the 150 mark as long as I always keep 150 direct points in my membership, or would selling off one of the contracts at VDH end that perk even if I had replaced it with a different direct resort?

I don't think this is knowable. They can tell you what they think will happen, but they can't know the future wtih certainty.

It's probably worth being clear with yourself about what you are optimizing for, because you are wading into conflicting priorities.

 

[AstroBlasters]

Ooh, sell order….

1) Grand Floridian resale
2) Boardwalk resale
3) Aulani unsubsidized resale
4) Disneyland Hotel direct
5) Aulani subsidized resale
6) Aulani unsubsidized direct
7) Grand Cal resale
8) Grand Cal direct

(My wife has stated she will be buried with the Grand Cal points and that another woman is not allowed to stay there with me on “her points” if she goes first )

 

[Wedgeout]

I think it’s based on date of contract purchases???

If buy 50/50/50 (or any combo for 150), those will be locked & grandfathered if it went up later.

If you decide to buy when it has become 200, a 50 point (any #) will fall in the 200 needed category by purchase date.

If still own your 50/50/50 (150 total) from before, those new points sit there as extra. You are still grandfathered at 150 (still don’t need 200).

Now you decide to sell one of those early 50, the 100 left falls under the 150. Your newer points contract, the 50 (any #) is attached to the 200. They can’t be used to refill your 150. They were bought when minimum was 200).

Now when you add the 50 (any #) contract to your other 100, all must add up to 200. Once at 200, you are qualified again. All points owned at that point will be grandfathered at the 200 when minimums change again.

(We thought when the resale blue card changes happened and that grandfathered period was confusing ) now this.

Becoming a seller/buyer can confuse too.
I confuse easy, my first direct would be current minimum at the time of purchase.

 

[davidhr]

I think it’s based on date of contract purchases???

If buy 50/50/50 (or any combo for 150), those will be locked & grandfathered if it went up later.

If you decide to buy when it has become 200, a 50 point (any #) will fall in the 200 needed category by purchase date.

If still own your 50/50/50 (150 total) from before, those new points sit there as extra. You are still grandfathered at 150 (still don’t need 200).

Now you decide to sell one of those early 50, the 100 left falls under the 150. Your newer points contract, the 50 (any #) is attached to the 200. They can’t be used to refill your 150. They were bought when minimum was 200).

Now when you add the 50 (any #) contract to your other 100, all must add up to 200. Once at 200, you are qualified again. All points owned at that point will be grandfathered at the 200 when minimums change again.

(We thought when the resale blue card changes happened and that grandfathered period was confusing ) now this.

Becoming a seller/buyer can confuse too.
I confuse easy, my first direct would be current minimum at the time of purchase.

This is how it was explained to me. It's tied to the specific contracts, not the total points.

I found out about this when I went to get my 2nd direct contract. I started with 50pts resale, then added a direct contract around 18 months after. I decided to sell the 50pts resale about 6 months later and buy direct. After the resale was sold and closed, I reached out to my guide and asked for a loan. He then explained to me he'll need approval for the "owner's rate" as my active contract was under a year old, even if I had been a member for more than that. The contracts are what matter. I finally got the approval and asked about the benefits and he explained to me it works in a similar way.

 

[juliebee]

Whatever the minimum is at the time, thats how much u need to have if u offload some of the original

This is how it was explained to me. It's tied to the specific contracts, not the total points.

That is really good info to know! Thank you for sharing that. This needs to be talked about more when people are asking about splitting contracts.

 

[Makai]

So here is what I’m thinking…..Split the contracts 3 X 50 due to the resale restrictions for easier selling if I go before the hubby, or when passing on to the kids. But while I’m still here, those contracts are never getting touched! Unless a 150 point contract could still sell somewhat easy for the family? How has Riviera done with resale on the 150 contracts vs 50 pointers? Hard to compare with Riviera though since VDH resale restrictions are not as big of a deal with buyers at a location with only two DVC options. It seems like VGC owners don’t like using those points at other resorts, even though their points are unrestricted.

 

[VGCgroupie]

So here is what I’m thinking…..Split the contracts 3 X 50 due to the resale restrictions for easier selling if I go before the hubby, or when passing on to the kids. But while I’m still here, those contracts are never getting touched! Unless a 150 point contract could still sell somewhat easy for the family? How has Riviera done with resale on the 150 contracts vs 50 pointers? Hard to compare with Riviera though since VDH resale restrictions are not as big of a deal with buyers at a location with only two DVC options. It seems like VGC owners don’t like using those points at other resorts, even though their points are unrestricted.

Trends show that almost every resort 50 points sells quicker and for more per point than 150.

 

[Girlstar30]

So here is what I’m thinking…..Split the contracts 3 X 50 due to the resale restrictions for easier selling if I go before the hubby, or when passing on to the kids. But while I’m still here, those contracts are never getting touched! Unless a 150 point contract could still sell somewhat easy for the family? How has Riviera done with resale on the 150 contracts vs 50 pointers? Hard to compare with Riviera though since VDH resale restrictions are not as big of a deal with buyers at a location with only two DVC options. It seems like VGC owners don’t like using those points at other resorts, even though their points are unrestricted.

If you have multiple kids to pass to as it seems thats another reason to

That is really good info to know! Thank you for sharing that. This needs to be talked about more when people are asking about splitting contracts.

Youre welcome

 

[Makai]

If you have multiple kids to pass to as it seems thats another reason to

Yes, that will work great, but I need to add one more direct contract for the 4th kid. I don’t think the hubby will go for 200 points though.

I can see adding a 50 point direct contract in the future if they ever offer a discount somewhere. Did AKL have an add on special last year? That’s another favorite resort we would love to own, or CCV for the Christmas priority.

 

[Girlstar30]

Yes, that will work great, but I need to add one more direct contract for the 4th kid. I don’t think the hubby will go for 200 points though.

I can see adding a 50 point direct contract in the future if they ever offer a discount somewhere. Did AKL have an add on special last year? That’s another favorite resort we would love to own, or CCV for the Christmas priority.

Yes they did in February iirc. I believe it was $215 pp but dont quote me on that

 

[AstroBlasters]

Yes, that will work great, but I need to add one more direct contract for the 4th kid. I don’t think the hubby will go for 200 points though.

I can see adding a 50 point direct contract in the future if they ever offer a discount somewhere. Did AKL have an add on special last year? That’s another favorite resort we would love to own, or CCV for the Christmas priority.

Do the incentives jump materially @ 200 points?

I know they did when I get Aulani.

 

[airjay75]

I can see adding a 50 point direct contract in the future if they ever offer a discount somewhere. Did AKL have an add on special last year? That’s another favorite resort we would love to own, or CCV for the Christmas priority.

As much as we've seen AKL ROFR activity combined with the refurbishment, I would not be surprised at all to see another AKL "flash sale" in the next year. Not so sure about CCV - unless they just have more points than they want and need to offload them, I feel like they won't want CCV competing with LSL. But, obviously, none of us know.

 

[VGCgroupie]

Do the incentives jump materially @ 200 points?

I know they did when I get Aulani.

This round for VDH the price per point only changes by $1.86 per point when you go up to 200, due to the fact that two of the incentives offered are the same on 150 as on 200. I think I would do 150 and cross the bridge of adding more direct points in the future.

 

[airjay75]

Someone also recently reported in another thread that they were only letting you break points purchases up into 3 contracts. So, even if you wanted 4 50 pointers, they might not let you do it. Not sure how concrete that report is though. I was able to break my purchase up this past July into 4 contracts, but no more (and I did try - my guide even thought she could until she was told by her superiors that 4 was the max).

 

[AstroBlasters]

Someone also recently reported in another thread that they were only letting you break points purchases up into 3 contracts. So, even if you wanted 4 50 pointers, they might not let you do it. Not sure how concrete that report is though. I was able to break my purchase up this past July into 4 contracts, but no more (and I did try - my guide even thought she could until she was told by her superiors that 4 was the max).

I would love to tell them it is 4 or 0 and see what the manager does…. I obviously have an authority problem….

 

[ClaraOswald]

Am I the only person with no desire to break up my possible direct point purchase in the future?

 

[VGCgroupie]

Am I the only person with no desire to break up my possible direct point purchase in the future?

No not the only one.

 

[Makai]

Now I need to prepare the math analysis for my DH who is all about the numbers (not my strength).

• 245 per point x 150=$36,750
• $23 per point developer discount on 150=$3,450
• $33,300
• $1,500 70th anniversary discount=$31,800
• D23 discount of $500‎ = $31,300
• $20 x 150 for Magical Beginnings=$3,000
• Subtotal: $28,300

Closing Costs:

• Splitting into three 50 point contracts: $250 x 3=$750
• Document prep fee: $146.48 (is this charged just once?)
• $896.48 Total for closing
• Subtotal after closing: $29,196.48

2 X rewards using Disney VISA=$583.92
Total: $28,612.56

Not sure how the pro-rated dues for 2026 works, but if I sign Feb 1st I assume at least January is removed?:
Pro-rated annual dues discount of January: $131.75
Total Cost with dues discount: $28,480.81
Cost Per Point $189.87

If I didn’t split the contract:
Total Cost: $27,980.81
Cost Per Point $186.53

I could also factor in the cost savings of paying with the Disney VISA vs financing, with that 6 months of 0% interest (8 months with spaced out payments to DVC?), but haven’t looked at the financing numbers since I can’t use it yet as a new resale member.

To compare with a 150 point resale contract currently pending with 2026, and 2027 points at $158 per point and 2026 annual dues:
Total cost estimate with closing & dues: $26,480
VS
Direct price with annual dues of $1,581 and closing cost on 150:
Total: $29,562.00

Cost savings to buy resale of a 150 point contract:
$3,082

If 50 point contracts on the resale market are valued at $20 per point higher than a 150 contract it would be a $3,000 premium value (not sure the seller closing costs between the two), and only $500 extra to do the split. That would make up for the extra in cost to buy direct before the perks are factored in. Even if small contracts did go down in value spread from larger contracts, those direct points are a great deal with current resale prices.

Is this math correct? Are there any extra costs or discounts I am missing?

 

[AstroBlasters]

Now I need to prepare the math analysis for my DH who is all about the numbers (not my strength).

• 245 per point x 150=$36,750
• $23 per point developer discount on 150=$3,450
• $33,300
• $1,500 70th anniversary discount=$31,800
• D23 discount of $500‎ = $31,300
• $20 x 150 for Magical Beginnings=$3,000
• Subtotal: $28,300

Closing Costs:

• Splitting into three 50 point contracts: $250 x 3=$750
• Document prep fee: $146.48 (is this charged just once?)
• $896.48 Total for closing
• Subtotal after closing: $29,196.48

2 X rewards using Disney VISA=$583.92
Total: $28,612.56

Not sure how the pro-rated dues for 2026 works, but if I sign Feb 1st I assume at least January is removed?:
Pro-rated annual dues discount of January: $131.75
Total Cost with dues discount: $28,480.81
Cost Per Point $189.87

If I didn’t split the contract:
Total Cost: $27,980.81
Cost Per Point $186.53

I could also factor in the cost savings of paying with the Disney VISA vs financing, with that 6 months of 0% interest (8 months with spaced out payments to DVC?), but haven’t looked at the financing numbers since I can’t use it yet as a new resale member.

To compare with a 150 point resale contract currently pending with 2026, and 2027 points at $158 per point and 2026 annual dues:
Total cost estimate with closing & dues: $26,480
VS
Direct price with annual dues of $1,581 and closing cost on 150:
Total: $29,562.00

Cost savings to buy resale of a 150 point contract:
$3,082

If 50 point contracts on the resale market are valued at $20 per point higher than a 150 contract it would be a $3,000 premium value (not sure the seller closing costs between the two), and only $500 extra to do the split. That would make up for the extra in cost to buy direct before the perks are factored in. Even if small contracts did go down in value spread from larger contracts, those direct points are a great deal with current resale prices.

Is this math correct? Are there any extra costs or discounts I am missing?

Looks solid to me.

 

[Makai]

I asked my guide about the parking issue at VDH if the expansion is taking over the current DLH lot, but he didn’t know. We will often be driving our own car to DLR to do some beach time, and exploring. Is this unknown still in the plans? Is it possible VDH will charge for parking? Not a deal breaker for us, but just curious what the latest prediction or update is on it.