mmmears
DIS Veteran
- Joined
- Nov 30, 2005
You can use all the UR you want at deposit and then you should be able to pay the cash at final payment. So if you have a 4k cruise that only needs a 500 deposit, you can still use the 133,334 UR for the deposit and you'd only owe 2k at final payment.
There is the option to try to transfer the cruise to Chase. This means you'd pay the deposit to the cruise line and then when you transfer to Chase you should not owe a payment until PIF. This is a YMMV at the moment as not all agent's allow it and with the uncertainty of the Chase travel changes, I'm planning on the bird in hand and making UR payment before end of year even though my PIF is in May.
Yeah, I'm skittish with this stuff, too, since it's changing so rapidly. But I'd love the ability to collect more URs before now and Sept (I think that's when the balance would be due) and use it to pay for the cruise itself since the deposit is small, but the cruise total is quite high. We have enough URs for the deposit, but nowhere near enough for the total. Thanks for all the advice. I'm trying to learn it all but it's tough when the rules keep changing.