DVC Guide Persistence Purchasing Poly Tower

I would have to dig deeper into the lack of Wire, ACH or Cashier's check. They used to be valid options for direct purchase. Since I know my limit is higher than what I was buying, I had no qualms about putting it all on the credit card and all at once. I have no need to split it as DVC will do. If you want to split the payment with DVC, they will do it for you. I've seen up to 90 days with some doing it. You just tell your guide that is what you want to do.

I think so many of us use the bonus of credit card rewards that few are attempting to pay other ways. I personally do as much as I can on a credit card for rewards.

The fee part gets to me. Though really setting up the payments for credit cards is easy as the guide just does it if you are spacing out. But really 3% fee on $10k+ is a lot. It's a lot for even 25 points is $5,993.40 for PVB per the add on tool. I would call my guide to ask but he's out on Fridays. Like I said I figured my purchase would be fine on the one, but if not I said I would find other ways to pay. No issues though.

I'll see if I can ask others who have purchased but so far they all seem to be credit card payments for cash with the ability to split it in 90 days.

Ugh does sound annoying that they will not even take wire or bank certified checks.....

Yes.  Our UY is February so we got the 2024 points as well.  Nice to start out with “double” points right away.  

Not sure if this helps, but when we purchased our direct contract in 2021 I put it on the Disney Visa. Back then, they could split the charges across 90 60 days however you wanted (I assume down payment had to be a specific percent of the total contract); the only requirement is you had to have the DVC contract paid in full by 90 60 days from purchase. For ours, we charged a down payment on the day of purchase, 7/22/21. They then charged our Disney Visa two more times on 8/20 and 9/17 in equal amounts to finish off the contract balance.

For those 90 60 days, I made Disney Visa payments to cover our regular monthly purchases and ensure there was enough credit available for DVC payments 2 and 3. Once DVC payment 3 was on the card, I just had to ensure I completed any of the 6 months no interest promotional balances before the expiration date. In our situation, we had the cash but there was no point in passing up "free" Disney Reward Dollars while also continuing to earn interest/dividends on some of that cash for a few more months. 

So, if that 4.99% financing is a line of credit where you can "transfer" the DVC purchase from Visa to the credit line and delay paying interest, there's no downside to using your Disney Visa to make the purchase. You'll get the Disney Rewards Dollars and delay how soon you'll start paying 4.99% interest on some/most of the contract cost. Even if it's a personal loan where you have to take the full amount up front and pay interest from day 1, you still might as well put the contract purchase on your Disney Visa to earn those reward dollars, keep the loan cash in a high yield savings account or other stable account as long as you can, and do that until that final 6 months promotion comes due.

Disclaimer - It's Friday, my brain is fried from yet another long work week so if I missed something really important in my rationale, someone please point it out (and my apologies if I am missing some key detractor to my reasoning). 

Edit: Yeah, now that I've had a good night's sleep to recover from the work week and recharge my brain, my math was clearly off and our terms in 2021 for paying w/ Disney Visa were "within 60 days" and the same as it still is now.

June UY here. We got 2024 points loaded almost immediately. You will only pay 2 weeks of MFs for 2024 as well. All buyers will be getting 2024 points as well. You get points for the year it opens.