Telephone vs. Online
A more important issue for me is whether more inventory is available by telephone than online. I was told by the operator that both methods utilize exactly the same inventory. BUT I make it a practice to first go online, and in more than two instances no availability online, and yet when I follow up with a phone call within a minute I managed to get the reservation.
As to changeability, as I recall HGVC offers at an extra charge the ability to
change your reservation without an additional penalty or surcharge beyond I think that $37 or $39 up charge.