Welcome Home! Hope you enjoy your
DVC as much as we enjoy ours...
WHile my guide is flat-out wonderful and always returns calls and/or responds to email, the rest of what you described happened to me, too...
THey're so backed up what w/the end of the F&F promo and the opening of the new AKV, there's a lag...and there was a lag when I first bought in (last June) when none of those things was happening...
Not to worry: you get all the incentives and bennies they promised you if the delay is on their end.
As I recall, it took at least a week for the charge to go through when I bought in June--and at that time there was a glitch...the credit card I used wanted "extra" authorization to authorize the whole payment, even though it was well under my credit limit...so my guide just put it through as two separate transactions, a week apart...(the "hoops" my credit card company wanted Disney to jump through were more trouble than splitting the transaction)...anyway, bottom line is it took a week for the first $500 to show up on my credit card, and almost two full weeks before the full charge showed up (I started checking daily cuz I was worried about losing my incentives which were good for only 3 days...turns out I need not have worried)...
So, hope this makes you feel better about your question/transaction...
As for your call being returned: it's possible your guide took some time off (many of them have been working nonstop for the past month or 6 weeks)...it's also possible the message went astray...if you've only called once, you might consider calling again, just in case the message went astray...especially since your guide has been good about returning calls so far...but you're certainly right to expect a timely call back...
Again, welcome home and sure hope you find your DVC m'ship as magical as we find ours!