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Thread: New direct purchase offers include $500 gift card

  1. #1
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    Default New direct purchase offers include $500 gift card

    Disney Vacation Club has updated its lineup of bonus incentives for buying points direct. Among the options is a $500 Disney Gift Card with sufficient size contract purchase.



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  2. #2
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    I don't really see the advantage to accepting the gift card as it just means you have to come up with more dollars to pay for the points you are purchasing. So as an owner I add on 125 points at Copper Creek, which costs $22,000 - $750 = $21250. My 125 points really cost me $170 per point.

    However, if I accept the gift card, my purchase would cost $21750. And my points really cost me $174 per point.

    It definitely does not sound like a good deal to take the gift card.
    --Denise

    Scheduled upcoming Disney trips:


    11/30/17 - 12/14/17 - Bay Lake Tower at the Contemporary Resort
    03/01/18 - 03/08/18 - Copper Creek at the Wilderness Lodge

  3. #3
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    Quote Originally Posted by denlo View Post
    I don't really see the advantage to accepting the gift card as it just means you have to come up with more dollars to pay for the points you are purchasing. So as an owner I add on 125 points at Copper Creek, which costs $22,000 - $750 = $21250. My 125 points really cost me $170 per point.

    However, if I accept the gift card, my purchase would cost $21750. And my points really cost me $174 per point.

    It definitely does not sound like a good deal to take the gift card.
    It certainly makes no sense if you're paying cash. If you're financing, you can kind of view it as a 'cash-out' finance offer, where that $500 is given to you but rolled into your loan. Even so, it doesn't make a lot of sense given that you need a larger down payment to get the card (20% vs. 10%). So, you know, make a slightly smaller down payment and keep the $500 as cash? I could maybe see it if they give a better interest rate for 20% down, but that's really stretching it.

    Still, I'm sure there are people who'd take the deal.
    [WDW visits: DxL 1/98, VWL 1/03, WL 6/03, VWL 1/08, BWV 1/13, BCV 1/16, POFQ 4/17]
    [DL visits: 7/90, 11/93, 11/94, 11/95, 11/96, 6/97, 11/97, 11/99, 12/00, 8/01, 1/06, 2/08, 2/12, 6/14, VGC 7/16, DLH/VGC 1/17]
    [Family: me46, wife46, daughter19, son17, son13]
    [Races: 2016 WDW 10k, 2017 SW Light Side Rebel Challenge, 2017 SW Dark Side Half]

  4. #4
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    To me you are taking a loan for a gift card that is never financially beneficial IMO. It just encourages debt.
    --Denise

    Scheduled upcoming Disney trips:


    11/30/17 - 12/14/17 - Bay Lake Tower at the Contemporary Resort
    03/01/18 - 03/08/18 - Copper Creek at the Wilderness Lodge

  5. #5
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    Quote Originally Posted by denlo View Post
    To me you are taking a loan for a gift card that is never financially beneficial IMO. It just encourages debt.
    Car manufacturers have been offering rebates for years. Typically your best deal is to roll the rebate into your down payment, but there are times when rebates can be combined with killer interest rates and taking a $2000.00 cash rebate only ups your monthly payment by $35.00 bucks.

    $2000.00 will buy you more Churros and Turkey Legs today rather than waiting 5 yrs to save $35 a month.

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