Purchasing Small-Point, Direct?

[atthebeachclub]

Yes I know. I’ve used it multiple times and has been available for all my previous 5-6 Chase cards. First time I didn’t get it.

I think you only get the zero interest a time or two typically, and not usually with each card? That’s why I have never used it. I’m saving mine for when it counts. loll.

 

[Sprinkles&Sprints]

I think you only get the zero interest a time or two typically, and not usually with each card? That’s why I have never used it. I’m saving mine for when it counts. loll.

I actually called Chase about this last week. There’s a feature that allows you to put in a hypothetical purchase to see what the terms/fees will be. When I walk through the tool, it only ever shows a monthly fee. However on my list of transactions, when I walk through a real scenario, there are many that qualify for the $0 fee.

So I asked if there was a way for me to know pre-charge whether or not I had a no fee option available. Of course they said no (doubtful)…and that they also had no way knowing how long an existing no fee option would last.

 

[eticketplease]

I actually called Chase about this last week. There’s a feature that allows you to put in a hypothetical purchase to see what the terms/fees will be. When I walk through the tool, it only ever shows a monthly fee. However on my list of transactions, when I walk through a real scenario, there are many that qualify for the $0 fee.

So I asked if there was a way for me to know pre-charge whether or not I had a no fee option available. Of course they said no (doubtful)…and that they also had no way knowing how long an existing no fee option would last.

That’s why as @muppets3d had mentioned the 6 months is a good option as unfortunately you never know if your purchase will trigger a 0% for 24 months offer.
At least with Disney you are guaranteed 6 months at 0%.

 

[RichVIII]

Pigging back on this with basically the same question.

I see most 50 point Poly contracts pop up around $175+ and most lack at least one set of points. The delta between resale and direct seems small especially when you factor in pro-rated dues, additional points, credit card points, speed of loading, unrestricted points and the ability to splitting up payments. The Disney math in me wants to just buy direct close to the end of incentives in mid-July. I doubt a price increase is coming at this point but I don’t need the points yet. Am I Disney mathing this too much?

 

[Sprinkles&Sprints]

Pigging back on this with basically the same question.

I see most 50 point Poly contracts pop up around $175+ and most lack at least one set of points. The delta between resale and direct seems small especially when you factor in pro-rated dues, additional points, credit card points, speed of loading, unrestricted points and the ability to splitting up payments. The Disney math in me wants to just buy direct close to the end of incentives in mid-July. I doubt a price increase is coming at this point but I don’t need the points yet. Am I Disney mathing this too much?

I would do the same.

 

[TinkAgainU]

Be sure to ask about what year's points would come with the purchase. If you were an August Use Year and purchased Poly right now, you would actually receive July 2024 points at a reduced annual dues rate, plus your 2025 points, of course. With new Resorts, that's not always true. Not a deal breaker, but something to take into consideration. There is a reason a lot of us think about adding Direct just before our Use Year hits Also, I believe you have the "option" of paying for title insurance (or not) when buying Direct, it might not come to much but thought I'd mention that too.

 

[Mouseforward]

Pigging back on this with basically the same question.

I see most 50 point Poly contracts pop up around $175+ and most lack at least one set of points. The delta between resale and direct seems small especially when you factor in pro-rated dues, additional points, credit card points, speed of loading, unrestricted points and the ability to splitting up payments. The Disney math in me wants to just buy direct close to the end of incentives in mid-July. I doubt a price increase is coming at this point but I don’t need the points yet. Am I Disney mathing this too much?

Nope, small Poly is very overpriced, I think it will drop back to $160 once PIT sells out. Larger contracts will be $150 and under.

It's counterintuitive since the sold out price will go up to $275 or more direct.

 

[disneylandtour]

Pigging back on this with basically the same question.

I see most 50 point Poly contracts pop up around $175+ and most lack at least one set of points. The delta between resale and direct seems small especially when you factor in pro-rated dues, additional points, credit card points, speed of loading, unrestricted points and the ability to splitting up payments. The Disney math in me wants to just buy direct close to the end of incentives in mid-July. I doubt a price increase is coming at this point but I don’t need the points yet. Am I Disney mathing this too much?

Bought a 50 point poly contract with all points two months ago for $150pp. There’s been many others like this. You just have to look.

 

[foodiddiedoo]

I bought direct and paid with my United Club credit card. It was enough money to score me 1k on United for 2025!

 

[cruisehopeful]

Pigging back on this with basically the same question.

I see most 50 point Poly contracts pop up around $175+ and most lack at least one set of points. The delta between resale and direct seems small especially when you factor in pro-rated dues, additional points, credit card points, speed of loading, unrestricted points and the ability to splitting up payments. The Disney math in me wants to just buy direct close to the end of incentives in mid-July. I doubt a price increase is coming at this point but I don’t need the points yet. Am I Disney mathing this too much?

For me it boiled down to I would need unrestricted points on a regular basis. If I didn't feel a need for that, I would have looked at the overall cost and decided if the savings of resale over the course of the next 5-10 years would make any difference to me.

 

[clgwli]

PVB tower was an addition to PVB so the rules for add ons for that resort remainder at 25b

CCV, RIV, VDH and CFW are all 50!

PVB was 50 points in 2017 when I added on again then. I never finance. Disney can change what minimums are whenever they want. Though 50 financed has seemingly always been there. I think it's wiser to say "at this time" than saying it's a rule. JMO

Pigging back on this with basically the same question.

I see most 50 point Poly contracts pop up around $175+ and most lack at least one set of points. The delta between resale and direct seems small especially when you factor in pro-rated dues, additional points, credit card points, speed of loading, unrestricted points and the ability to splitting up payments. The Disney math in me wants to just buy direct close to the end of incentives in mid-July. I doubt a price increase is coming at this point but I don’t need the points yet. Am I Disney mathing this too much?

When I do small add-ons I always run the numbers completely. In smaller contracts it can run in your favor. Though right now I am seeing closer to $160 per point for Sub 100 contracts for the Polynesian. I'm always looking to add on there and do it little by little lol

For me my Polynesian points and my CCV points are predominantly only ever going to be used at those resorts, so restrictions mean nothing to me on those. That is the only factor you have to play into. I do have enough direct or grandfathered points to not have to worry about perks.

I absolutely do factor in any rewards I get from credit cards. I always purchase direct on credit card because I get rewards and I just pay it off instantly. I don't think that is doing too much math honestly. I consider that smart.

ETA if resale, I do ask to see what the maximum can be put on a credit card for the deposit. Some places only do the 10% but others let you do higher or a maximum of a certain amount. One of the places that I got ROFR on allowed me to do $3k on a roughly $20k contract. I definitely took them up on that. At the time it was Polynesian before it went on sale. The rofr monster just reared its ugly head