Universal site vs. Universal vacations

[DNBois]

I was reading earlier that several individuals had a difficult time
cancelling their reservations with the Universal site which is
separate from the Universal Studios vacation site. With the
Universal site, you have to reserve the full amount on your
credit card - I was hoping we could only reserve the room on a
credit card but send our payments in installments. Does
anyone know how you can book an online vacation package
with Universal Studios directly? And does anyone have any
information regarding the Wingate hotel - how far from the
parks? any benefits? cleanliness? anything?
Thanks