When I was buying wyndham contracts, I would routinely use three years of points in my first year of ownership. I didn’t do many rentals myself. Rather I would wholesale them to points managers at $6/1000. So a million point ownership would generate $18000 in my first year of ownership. $5000 would cover my purchase price, $3000, mf and there would be $10000 for me
And in following years I would get the use of one years of points for one year of mf, ie break even
What I was doing was no secret. I posted my advice on how to use the credit pool more than once here on tug
To keep making money I kept buying
As long as I continued paying mf (and I did) and as long as there was a demand from the points managers, I didn’t have a problem and neither did wyndham
I wasn’t the only guy doing this and I became worried that the day was coming when the points managers couldn’t keep up with the points we were handing them
So I tried to find a buyer. And I did. As it turned out I got pretty much what I paid. So another $5000 per million points
And still, wyndham didn’t have a problem as long as the new owners paid their Mf. More to the point, wyndham didn’t even know what was going on
Until they suspended all those accounts including mine and 4 others that I know were doing the same thing. We were only a small percentage of the suspended accounts. They called us “points pullers”
Coincidently, not long after they saw what we were doing, they created the new points deposit feature and closed down the credit pool. I take the blame, but the folks at Wyndham say no, they were working on this already
The consensus here (among the folks that no the system best) is that benefits are not tied to individual points the way you describe. If for example you own 500000points at Bonnet Creek you are entitled to 500000 points worth of arp reservations. And if you get a 1,000,000 point allocation each year, you can deposit a million points into the next two years
As you suggest, we won’t know for sure until we know for sure
But I’ll come back to my original point. It won’t make any difference to the folks that don’t own too many points for their needs, and plan ahead to use all their points each year