Buying small contracts over time

[PinkPixel]

WAs just reading through this and thinking about all fo the talk of blue card vs white card perks and such. To me, the ability to buy small contracts as well as qualify for the member pricing on direct DVC is a huge perk that is still being offered to white card members. If you are going to be adding on, that alone will get you more value than any dining or merch discount. Hopefully they don't take that away!

I was wondering, if you're not a blue card member, can you get a discount on cash rooms?

 

[hglenn]

I was wondering, if you're not a blue card member, can you get a discount on cash rooms?

Do blue card members get discounts on cash rooms? I see AP discounts but I don't think I've seen DVC discounts...

 

[CarolMN]

Do blue card members get discounts on cash rooms? I see AP discounts but I don't think I've seen DVC discounts...

Sometimes - on DVC villas, only. You have to call MS to see if there is availability for your dates and to book.

 

[Sandisw]

WAs just reading through this and thinking about all fo the talk of blue card vs white card perks and such. To me, the ability to buy small contracts as well as qualify for the member pricing on direct DVC is a huge perk that is still being offered to white card members. If you are going to be adding on, that alone will get you more value than any dining or merch discount. Hopefully they don't take that away!

i think the confusing part sometimes is people use white card interchangeable with resale points. And honestly, they are different.

White card vs blue card only applies to membership extras and plays no role in anything else. Sure, how you get your points determines whether you are eligible, but beyond that, it doesn’t play any other role,

No matter how you get your points or whether or not you are eligble for membership extras, you are an owner and eligible to receive owner pricing when buying direct.

 

[hglenn]

W

i think the confusing part sometimes is people use white card interchangeable with resale points. And honestly, they are different.

White card vs blue card only applies to membership extras and plays no role in anything else. Sure, how you get your points determines whether you are eligible, but beyond that, it doesn’t play any other role,

No matter how you get your points or whether or not you are eligble for membership extras, you are an owner and eligible to receive owner pricing when buying direct.

Well, sort-of… I mean, staying in new resorts isn’t included so white card is only “owners” of a set of the resorts, not all.

 

[Sandisw]

W

Well, sort-of… I mean, staying in new resorts isn’t included so white card is only “owners” of a set of the resorts, not all.

But not being able to stay at new resorts has nothing to do with the white card. That is my point.

I have three blue card memberships and if I buy resale points, those points are excluded from RIV and future resorts but it doesn’t make me white card or even say I have white card points.

The white card simply means you are not eligible for membership extras. Card color in no way determines where to use your points.

The opposite is true You can have a white card, buy 100 direct points and your membership still has the white card, but those 100 direct points can be used everywhere, even though your resale points can’t.

Maybe an easier way to put it is that there are two things that apply to DVC owners….type of points which can be resale or direct and eligibility for membership extras.

 

[hglenn]

But not being able to stay at new resorts has nothing to do with the white card. That is my point.

I have three blue card memberships and if I buy resale points, those points are excluded from RIV and future resorts but it doesn’t make me white card or even say I have white card points.

The white card simply means you are not eligible for membership extras. Card color in no way determines where to use your points.

The opposite is true You can have a white card, buy 100 direct points and your membership still has the white card, but those 100 direct points can be used everywhere, even though your resale points can’t.

Maybe an easier way to put it is that there are two things that apply to DVC owners….type of points which can be resale or direct and eligibility for membership extras.

Yes! Ok. I know all of that but lose track of the nuances sometimes. Thank you!

 

[Memorymakerfor4]

We don’t like carrying debt for vacation so we bought what we were comfortable with at the time, then added on a small contract after a few years. Depending on the state of our finances and price of points, we may do it again in a few years, but if not I’m ok with where we are. We know that it would’ve saved money to do it all at once but we did what gave us peace of mind.

 

[PinkPixel]

You have to buy resale first to buy contracts this small. If you buy direct from Disney as a brand new member, you need to purchase 150 points. If you go resale, you can buy any size and become a member and buy direct add-ons (add-ons must be same use year and deed titled the same, but can be any resort). From the sell side, smaller contracts are always easier to sell.

If I went this route, what happens if I sell the original small resale contract I buy that creates the membership? I was thinking of buying in the use year I want, but haven't seen one for awhile at my preferred home resort, so I would probably sell the first resale contract at some point if I can't use as "SAP" at 7 months back to the resort I buy direct at. This is a hypothetical atm , but one I'm considering.

 

[Sandisw]

If I went this route, what happens if I sell the original small resale contract I buy that creates the membership? I was thinking of buying in the use year I want, but haven't seen one for awhile at my preferred home resort, so I would probably sell the first resale contract at some point if I can't use as "SAP" at 7 months back to the resort I buy direct at. This is a hypothetical atm , but one I'm considering.

If you buy a resale and add on smaller direct points, you can sell the resale and it doesn’t impact anything because the direct points would be added that membership already.

Be aware, though, in order to add on less than the 150 it has to be the same UY as the resale contract.

To change UYs, it becomes a new membership and needs to be a 150 point contract.

So, you want your resale to be the UY you prefer to start in order to add on direct in small increments.

 

[WDWkristin]

I haven’t done the math, but closing costs definitely add up. Make sure it is worth the interest saved.