Hi all.

Hi all. My husband and I are new owners. Like less than a week owners. We booked a 2 bed suite at Holiday Inn and Suites across from Universal for 6 nights. While getting the shuttle schedule from the front desk, a worker asked us if we would like to tour the OL resort and sit through a “90 minute” presentation for a gift of $110. I knew this was a timeshare presentation, so I said no. My husband, on the other hand, said yes. I’ve been against all timeshares since my parents bought into Bluegreen about 12 years ago. They were pressured and lied to, then later just let it go because they never had enough points to use it.
So we went. The 90 minutes turned into 6 hours. They first offered us the 200,000 points for $44,000 at $825/month. Nope. They kept going down, and I kept saying no. I had no intentions of buying anything. This was our first family vacation. We live on a farm and my husband works out of state. He actually had never taken a vacation-ever-until this one. After touring the 3 bedroom villa he was sold. Our guide quickly realized I was not going to buy, so she brought the manager over for an “unbelievable” offer. During this whole time, our 5 year old is in a playroom being watched by Disney pros?! We were missing her and the fact that we had been there for 5 hours, my husband said to just tell her we will buy to get out of there.
What we bought is the smallest 50,000 package. Our income tax refund is high, so we plan to pay in off in March. I was told at purchase that we can rent points at $10/1K. No limits. Wrong. We can only rent up to 50% of our total yearly points=25K. We were also showed the book and told that the last row (weeknight points) were all we had to pay for the 5 nights total. Also wrong, that is the rate PER night, not week. It made it sound like we had bought the best package. I was wondering why in their right mind would anyone want to purchase more points then? After looking at the book when we got to the hotel, everything I was told was untrue. Just like I had expected...I should have known. I figured we are already in this thing for 11K, might as well find resale points for cheap so we can utilize this.
Questions:
1. Although we haven’t even got the member site up yet, when we buy from the 3 resorts that transfer points, do they add to our current points, or do we have to use each resort points separately?
2. Since we are allowed to rent points up to 50% of our total, when buying resale, can we rent up to 50% of our total points combined, or only the points we bought retail directly through HICV?
3. How smooth, and how long does it take for the resale to go into the member profile?
I know statuses won’t chance when buying resale, and that doesn’t bother me.
Also what is a good price for say 150,000 points from Gatlinburg or Myrtle Beach?
Note: I don’t actually plan on buying resale until our package is paid off, because our interest rate is ridiculous. And we plan to pay cash for any resale.
Thank you for taking the time to read this all.