I have a question related to this. When is the sale actually considered closed? I bought in to SSR in early September while at WDW. I made the down payment and was approved for the line of credit from Disney. But I'm not scheduled to make a payment until May since that is when SSR opens. I haven't received my permanent member card but I assumed that was because the sale wouldn't officially be closed until next spring. But then I'm seeing lots of people closing last month and in September and I didn't know if they purchased at another property, paid in full up front, or I just misunderstood. I guess my question boils down to should I have received a permanent member card already or not until next spring?