Riviera Sales by the numbers (vs CCV) for 2019 - (December added 1/16/2020)

I like this option so we can maximize the reward points. If we were to do this can you make a reservation right away or do you have to wait until the sale is finalized?
You get your points right away. You don't have to wait until you've finished paying/sale is closed/deed is recorded. It's one of the nice things about buying direct.
 
If you do the 3 payments over three months, you have 6 months to pay off each of the three payments, correct? (Assuming you use a Disney Visa.) So if payment #1 is made in January, you have until July to pay that chunk off, then if payment #2 is made in February, you have until August to pay that chunk off, etc... Do I have that correct?
 
If you do the 3 payments over three months, you have 6 months to pay off each of the three payments, correct? (Assuming you use a Disney Visa.) So if payment #1 is made in January, you have until July to pay that chunk off, then if payment #2 is made in February, you have until August to pay that chunk off, etc... Do I have that correct?
Correct! I spread mine over two billing cycles and it worked like this.
 


If you do the 3 payments over three months, you have 6 months to pay off each of the three payments, correct? (Assuming you use a Disney Visa.) So if payment #1 is made in January, you have until July to pay that chunk off, then if payment #2 is made in February, you have until August to pay that chunk off, etc... Do I have that correct?

Maybe i'm misunderstanding something here. Why would you do that? I understand having the 6 months interest free but if your limit is large enough to put it all on your card why would you split it into 3 transactions a month apart if the balance wouldn't be paid off between each transaction rather than just doing one?
 
Maybe i'm misunderstanding something here. Why would you do that? I understand having the 6 months interest free but if your limit is large enough to put it all on your card why would you split it into 3 transactions a month apart if the balance wouldn't be paid off between each transaction rather than just doing one?
Because it allows your cash to earn more, as you get an extra month for 1/3 of the balance and 2 months for another 1/3 to earn interest, while the balance remains at 0% interest on your card.
 


I’m thinking about this and I’m going to start a new thread so I don’t hijack this one too much!
 
I was heading down the same path as well, mostly because I'm super interested in understanding all the RVA deeds

recording dates are pretty easy for optical character recognition to handle because they are always in the same format (mm/dd/yyyy) in one of two styles
electronic (DocuSign)
View attachment 499295

physically stamped (usually physically signed)
View attachment 499307


but the effective dates are all over the place!
m/d/yyyy (electronic)
View attachment 499300

month d, yyyy (electronic)
View attachment 499299

mm/dd/yyyy (hand-written)
View attachment 499301

m/d/yyyy (hand-written)
View attachment 499302

m/d/yy (hand-written)
View attachment 499304

mmm d, yyyy (hand-written)
View attachment 499303

month d, yyyy (hand-written)
View attachment 499306


I'm struggling a bit to capturing the effective dates (especially the hand-written ones) programmatically; it is still interesting so I'm going to work on a way to capture them but as all side projects do, it may take me a while :-)

while not good for DVC, it has been nice having two months with a low number of deeds recorded so that I can manually go through them for tidbits of info! I appreciate all the questions and analysis ideas folks pose, it's helps me think of other creative ways to look at the data; so merci! 🍷

Yikes, there being no rhyme or reason to the Effective Date is not good. If you ever give up and start capturing it manually, maybe some of us can help somehow.

And thank you too for all your efforts here!
 
I added on at Riv in January but did the 3 payments over the next 3 months. So mine was not officially final until last week.

We purchased in Sep-Oct 2019 and were told they needed the full balance in 30 days. This at least gave us enough time to put it all a a card that was giving 3% cash back at the time but it would have been nice to not have to squeeze it into 30 days and have a little more float time. I wonder when their policy changed...or did we just not get the correct info back then?
 
We purchased in Sep-Oct 2019 and were told they needed the full balance in 30 days. This at least gave us enough time to put it all a a card that was giving 3% cash back at the time but it would have been nice to not have to squeeze it into 30 days and have a little more float time. I wonder when their policy changed...or did we just not get the correct info back then?
Could it be that they will stretch it out over more billing cycles depending on the total purchase price?
 
We purchased in Sep-Oct 2019 and were told they needed the full balance in 30 days. This at least gave us enough time to put it all a a card that was giving 3% cash back at the time but it would have been nice to not have to squeeze it into 30 days and have a little more float time. I wonder when their policy changed...or did we just not get the correct info back then?
Could it be that they will stretch it out over more billing cycles depending on the total purchase price?
Or could the actual credit card matter - e.g., Disney Visa vs. a different CC?
 
We’ve always used non-Disney credit cards for our direct purchases and there was no issue spreading out the payment over a couple of billing cycles.

We did buy close to the end of the Disney fiscal year so maybe they wanted it paid in full by their year end?
 
We purchased in Sep-Oct 2019 and were told they needed the full balance in 30 days. This at least gave us enough time to put it all a a card that was giving 3% cash back at the time but it would have been nice to not have to squeeze it into 30 days and have a little more float time. I wonder when their policy changed...or did we just not get the correct info back then?

It's been allowable to spread out payments over a couple of billing cycles for as long as I've known - ie more than a decade. I've done it over 2 - never spread it out to 3. For some guides you probably just need to ask and others mention the possibility.
 
It's been allowable to spread out payments over a couple of billing cycles for as long as I've known - ie more than a decade. I've done it over 2 - never spread it out to 3. For some guides you probably just need to ask and others mention the possibility.

Interesting.

I specifically asked for the max time to pay off with a CC and the guide said 30 days. I then asked him to please confirm with his supervisor and they still came back with 30 days.
 
Interesting.

I specifically asked for the max time to pay off with a CC and the guide said 30 days. I then asked him to please confirm with his supervisor and they still came back with 30 days.
Yes, we were also told 30 days when we purchased in December 2019.
 

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