Worth waiting? Or should I rush it through?

[davidhr]

It’s a processing item for date. Sept UY is still in 2024. Those are still the current year points.

I’m referring to the 2 week thing. If you buy August 29th, you’re still in Sep UY 2024 but if they can’t bank them for you then they’re giving you unusable points.

 

[sndral]

There are not many reasons why the points are not going to be available almost immediately. I added a contract last week and my points were in my account and banked in less than an hour. I hadn’t even signed the initial paperwork. They do that for cash and financed purchases.

I’ve no familiarity w/ financed purchases, I think my points were in my account before I got off the phone last time . But I was still in my banking window, so didn’t need DVC to waive the banking window, & they weren’t offering magical beginnings then.

 

[Wedgeout]

I’m referring to the 2 week thing. If you buy August 29th, you’re still in Sep UY 2024 but if they can’t bank them for you then they’re giving you unusable points.

It’s the 10 day closing that will put you into the next UY. That’s the period you need to avoid. If it doesn’t close to Sept 25, you won’t have 2024 points. Need the buffer for closing.

 

[davidhr]

It’s the 10 day closing that will put you into the next UY. That’s the period you need to avoid. If it doesn’t close to Sept 25, you won’t have 2024 points. Need the buffer for closing.

I could understand that if they made that change recently.

But like I mentioned, I have a friend who added a few years ago just a couple days before the UY ended and had no issues.

I’m trying to convince myself if I want to add 25 CCV points and my UY is August. If I decide to do it I’ll wait until next week and see what happens lol

 

[Wedgeout]

I could understand that if they made that change recently.

But like I mentioned, I have a friend who added a few years ago just a couple days before the UY ended and had no issues.

I’m trying to convince myself if I want to add 25 CCV points and my UY is August. If I decide to do it I’ll wait until next week and see what happens lol

Best to check with a guide to override. It very well could be within 2 days. Sure wouldn’t want to chance anything like Disney IT. Points are instant and can take them back instantly too. There is that 10 days to back out. Wouldn’t want anything to cross another UY.

 

[davidhr]

Best to check with a guide to override. It very well could be within 2 days. Sure wouldn’t want to chance anything like Disney IT. Points are instant and can take them back instantly too. There is that 10 days to back out. Wouldn’t want anything to cross another UY.

I don’t need those points, I just want them lol

Might test the limits just for science. If I can’t get those 2024 points then I can wait another year.

 

[Chili327]

Is this a recent change? I also wonder how can they get away with not giving you current UY points when you purchase a resort that is currently open.

I’m referring to the 2 week thing. If you buy August 29th, you’re still in Sep UY 2024 but if they can’t bank them for you then they’re giving you unusable points.

It’s the 4 month banking deadline rule. That they are able to bypass because it’s their rule.

 

[davidhr]

It’s the 4 month banking deadline rule. That they are able to bypass because it’s their rule.

I know that. Just curious, if true, why they can’t do it if it’s only two weeks.

 

[VGCgroupie]

RE: the banking. I will be asking my guide so I can update here when I find out.

 

[VGCgroupie]

If you know for sure what you are buying then buy now. If you don't know what resort you want to buy then I would wait. Would not be fun to buy and get there and find out you dislike that resort.

 

[Brian Noble]

I’m referring to the 2 week thing. If you buy August 29th, you’re still in Sep UY 2024 but if they can’t bank them for you then they’re giving you unusable points.

There is nothing in the documents that require DVCMC to bank newly-purchased points "late"; instead the documents allow it. It would be perfectly possible for them to tell you: "Here are your 2024 points, you have until the end of August 2025 to use them, subject to availablity."

Will they do that? Almost certainly not. But it is important to remember that they can. Always confirm your plans with your Guide before your 10-day rescission period expires.

I like the two week buffer, because it gives one a little extra room in case someone somewhere drops the ball. I also get to the airport on the early side.

 

[davidhr]

There is nothing in the documents that require DVCMC to bank newly-purchased points "late"; instead the documents allow it. It would be perfectly possible for them to tell you: "Here are your 2024 points, you have until the end of August 2025 to use them, subject to availablity."

Will they do that? Almost certainly not. But it is important to remember that they can. Always confirm your plans with your Guide before your 10-day rescission period expires.

I like the two week buffer, because it gives one a little extra room in case someone somewhere drops the ball. I also get to the airport on the early side.

That's fine. But "you should buy 2 weeks before your UY" is different to "they won't bank your points if it's under two weeks".

I agree with doing it early and not arguing if they should do it or not. But it was stated as a fact before that they won't, but I've seen them doing it for someone close to me and just want clarification.

 

[DaniKate]

You're all correct in that I should do it sooner rather than later, so I'll try do it this week I think. If I pay 2/3 now, and the remainder of the balance in 30 days, does anyone know if I'd get the points into my account and banked immediately? Or would that not happen until the final payment?

 

[Brian Noble]

No, there is no two-week cutoff---at least none that I'm aware of. The "four day" limit does exist; it applies to Magical Beginnings, and is in writing in that program's T&Cs.

But, it is ALWAYS appropriate to ask your Guide what is possible, and t have them put it in writing. I would never ever assume that just because someone else bought a Sept UY on 8/30 and banked that I could do it too. Unless it is in writing, it doesn't have to happen.

 

[VGCgroupie]

You're all correct in that I should do it sooner rather than later, so I'll try do it this week I think. If I pay 2/3 now, and the remainder of the balance in 30 days, does anyone know if I'd get the points into my account and banked immediately? Or would that not happen until the final payment?

Points load to your account as soon as you sign the purchase agreement closing wont effect loading of points

 

[Girlstar30]

If you haven't stayed there yet I wouldnt buy, but thats just my personal policy.

I also wouldnt buy a uy that passed and lose out on extra points or MB, so if thats what I was faced with I would wait 6 months after staying then revisit, kind of what im doing now.

Its a $30,000 long term purchase i see it kind of like a car, I wouldn't buy a new car without seeing it or testing it out first. Unless its a total SAP resale (See my SSR, never stayed there) but not direct with the intention of staying there a lot, no way.

 

[crackerjack21]

I'm currently a resale member with a Sept UY, FOMO has got me wanting to buy direct, plus wanting to buy a cheaper AP. I'm looking at 150 at PIT.
I am going to be staying in resort in Sept, and had planned on setting up a meeting with a guide to set up the new contract. However, am I being silly to do this? Would it be smarter for me to try and buy this over the phone sooner in order to get the 2024 points banked as well?
Would I be doing myself out of an extra 150 points by waiting until September? When's my cut off date to grab those extra points?
I'm also in the UK, so I'm not sure I can even buy over the phone from here. I'm not using finance though.
Thanks all.

We have a September use year and are resale also and just went through this process. We contacted our guide this past Friday about buying 150 at PIT and we received our PIT points Saturday afternoon. It was that easy. We are still going through some paperwork, but we already have our points and our guide was able to get us a Welcome Home stay booked at Boardwalk this October with our new points. We elected to do Magical Beginnings so instead of banking the 2024 points we are get a rebate for them at $20 pp. We also took advantage of the D23 discount of $500. We are using credit cards to take advantage of welcome offers as well. (We are paying those off when due). If you are set on buying then I wouldn’t wait and lose the 2024 imo.

 

[Brian Noble]

I also wouldnt buy a uy that passed and lose out on extra points or MB, so if thats what I was faced with I would wait 6 months after staying then revisit, kind of what im doing now.

But it always comes around again---every twelve months!

To put it another way: If I can be strategic and buy near the end of the UY, I'll do that. But, I wouldn't let being early in my preferred UY be a reason not to buy if the timing was otherwise right for me. For me, having the right UY is more important than saving a few dollars on dues, etc. The extra year's worth of points is nice, but in the long run it is not that important for something you'll likely use for decades.

And, that might be the tradeoff someone needs to make: (A) Buy before staying there and catch the end of use year N, or (B) stay there first and buy sometime in use year N+1. That's a risk-tolerance question. I was originally going to pursue Option B for my RIV purchase. My plan was a kick-the-tires stay in late February, and then buy if I liked it. Then DVC announced a price increase in late January, and I wanted a Feb UY with a large enough contract to use MB, and between the two I decided to roll the dice and just buy it.

 

[Girlstar30]

But it always comes around again---every twelve months!

To put it another way: If I can be strategic and buy near the end of the UY, I'll do that. But, I wouldn't let being early in my preferred UY be a reason not to buy if the timing was otherwise right for me. For me, having the right UY is more important than saving a few dollars on dues, etc. The extra year's worth of points is nice, but in the long run it is not that important for something you'll likely use for decades.

And, that might be the tradeoff someone needs to make: (A) Buy before staying there and catch the end of use year N, or (B) stay there first and buy sometime in use year N+1. That's a risk-tolerance question. I was originally going to pursue Option B for my RIV purchase. My plan was a kick-the-tires stay in late February, and then buy if I liked it. Then DVC announced a price increase in late January, and I wanted a Feb UY with a large enough contract to use MB, and between the two I decided to roll the dice and just buy it.

It depends how many points you need for the kind of vacation you want to take coming up. People criticized me and told me to "take a breather" before buying so many contracts, but I needed the points and it made sense for us, no regrets.

I guess if you're comfortable rolling the dice and hoping you like the resort thats fine. I wouldn't be. If I would have done that I would have bought at vgf as i thought thats the one i would surely like the most. I would have been pretty upset about that.

 

[Brian Noble]

I would not let the needs of a single vacation dictate a decision with multi-decade consequences, but that's why Baskin-Robins has 31 flavors.