We actually read the reviews and went with an open mind. The suites are large, clean and nicely appointed. The resort accommodations are to die for. We found every aspect tempting but didn't sign because we could not get enough time off to make it worth our while. Our sales person and her boss were good people and accepted our decision with class. If you have good credit the payments and interest are surely much much lower. We wish we could use the vacation investment! The sites and first day offers are amazing. We had never tried one of these deals and did not walk away with bunches of freebies, but the room and the pending cruise are worth our initial investment.