Resale is definitely the way to go. I bought in to Polynesian while I was there just for 50 points just to get the card. Not sure if I could have gone as low as 25 probably should have asked. I ended up with Saratoga Springs on my resale package. It had all the 2016 points banked plus a few left from 2015, so I jumped on it. 11 more days on my Disney ROFR!