Considering a Poly/Riviera 200/150 Direct Purchase

We were not previously Disney Visa holders, but I opened up two separate cards (one for me and one for my wife).

Chase allows you to move your credit limits around. So if needed you can call Chase and ask them to move credit limit from one card to another.

Maybe its changed some but previously it was dead simple and they did it while I was on the phone. There might be some limit though about combining.
 
Really no bad decisions with DVC because everyone's use case is different. Looks like you refined your strategy based on research and that's the best way to get the best contracts for your family. Some of the best advice I got when researching before my first contracts is try not to get invested in a particular resort because resort preferences can change over time - which is almost the opposite of the 'buy where you want to stay' conventional wisdom, but it resonated with me because I usually can't plan 11 months out anyway. Later I bought direct Poly after exploring the other resorts. It's all fun and you're going to make great memories no matter which DVC contracts you buy.
We have had a very tough time finding availability lately. You mentioned not being able to plan 11 months out. Have you seen the same when looking at something under 7 months?
 
@airjay75 You've done your research well. 300 points of RIV direct (split into two 150 pt. contracts) gives you great flexibility for getting the bigger villas at RIV (2-bed or 3-bed) during the busiest times at 11-months out. That 3-bedroom Grand Villa is stunning.

We love the RIV and how new it is and that it's on the SkyLiner line. Maybe even consider a FW (fixed week) to help avoid the walking hassle (we have one there).
I couldn’t agree more. Such a beautiful resort!
 

We have had a very tough time finding availability lately. You mentioned not being able to plan 11 months out. Have you seen the same when looking at something under 7 months?

If you mean availability at the Polynesian Tower then yes 7 month options are annoyingly sparse! That said, I randomly check for what’s open and have been able to get several weekends in my preferred room type. Guessing it’s still due to Tower mania since it is still the new thing. Hope they finish LL soon so people will crowd the system over there instead…. except I will also be one of those people. Hmmm…. 🤔
 



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