RCI Changes Combine Timeshare Deposits feature

RCI Changes their Combine Deposits feature

RCI has announced that they are changing how Combine Deposits will work, effective Sept 17, 2016. If you're an RCI Weeks owner, then this could affect your strategy for managing your timeshare deposits. You might want to take action quickly, too!

What's changing?

Under the new rules, when you combine two or more deposits, your travel window for the combined deposit will be good for 12 months after the date you do the combination.

This is a change from the old system, which gave you 24 months before a combined deposit expired.

This significantly reduces the value you get from a combined deposit, since the result you get is only good for half as long.
  • If you have some deposits in your RCI Weeks account that you know you want to combine, then move fast and get your combination done before Sept 17.

You might as well get the full 2 years on that combined deposit instead of only 1!

Calendar Combined deposits now give you fewer months than before

When DOES combining still make sense?

  • Big needs. If you know that the exchange you want costs more in TPUs than any single deposit you have, but you can cover it by combining deposits, then go ahead and do this.
  • Litle leftovers. If you have small leftover deposits that aren't big enough to do anything with on their own, then combining them into one bigger, more useful deposit can still be a good move.
  • Expirations pending. If you have any deposits that are about to expire, then combining them can give you a new 12-month window to use them.
  • Extending forever. With RCI Weeks, you can essentially keep a deposit alive forever, by combining it with something every year, and thereby extending the date. However, now you'll need to do a combination every year for this strategy, because of the 12-month expiration, instead of the every-other-year combinations you needed before. The extra combine costs can add up!
Forever sign Deposits can still last forever, but it will cost you more!

When to AVOID combining deposits?

  • Don't lose value. Do NOT combine anything that has more than 1 year left before its expiration, unless you have a good reason as listed above. If you're doing it to get a specific exchange you want, then great! But otherwise, this will shorten the life of your deposit, which is not to your advantage.
    .

    Normally, your deposited week expires 24 months after the check-in date. If you combine this with something else, 18 months before its expiration date, the result will only be good for 12 months. You just lost 6 months of potential use.

  • Here's an example:

      * Existing deposit 1 expires March 29, 2018

      * You deposit a timeshare week with check-in date June 25, 2017.

      * This new deposit is good for 24 months after check-in, which = June 25, 2019

      * You combine these deposits on April 14, 2017. New expiration = April 14, 2018

      * Deposit 1 expiration went from Mar 29, 2018 to Apr 14, 2018, a couple weeks extension.

      * However, deposit 2 expiration went from June 25, 2019 to April 14, 2018. You just lost more than a year of possible use on this one.

  • Don't limit your searches. Each on-going search you submit is tied to a deposit in the system. If you take 2 deposits you have and combine them, you have 1 new deposit now instead. That means you can only run 1 on-going search instead of 2.
    .
    Of course, if you need the trading power from the combination in order to be able to get the exchange you want, then you'll still need to combine. Just be sure you understand that trade-off.
Bottom line: Always have a strategic reason for doing a combination, and always watch your dates!
Expiration date Watch your expiration dates! They'll come sooner than before.

Comments? Questions?

Do you use RCI's Combine Deposits feature? Will this new change in the rules affect how you plan your combinations and exchanges? Please share your thoughts in the Reply section below. Thanks!

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Sometimes timeshare owners get tired of the changing rules and rising prices with one exchange company, and wonder if they'd be better off switching. To get the scoop on how the two big exchange companies compare, and see if you could do better elsewhere, check out my free write-up on RCI vs. Interval - Which is Better?
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Hi! I'm Deanna, founder of Winning the Timeshare Game, and author of the books. After running an international tour company, I'm now into the fascinating world of timeshares. I enjoy sharing all the tips I discover, and I'd love to see everyone have as much fun with their timeshares as we do!

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2 Comments

  1. Steven Curry

    After making a deposit what is a normal wait time for an exchange to a popular destination? I made a combined deposit of my timeshare at gold crown in Florida looking for an exchange three months. January February March 2018 on Kawai or Maui but have not heard anything in over six weeks. I guess my question is is there anything else I can do to facilitate this exchange or just be patient? This is the first time I've done an exchange and it is frustrating

    • Hi Steven -
      Thanks for your comment! Unfortunately, there's no "normal" wait time. Some searches can find a match immediately, while others run until they expire with no results. If your search includes a wide range of resorts, I'd expect that you do turn up something since you have a fairly long travel window. If you've narrowed down your search to just a few locations, then your probabilities go down accordingly.

      One thing you can check is that you have enough TPUs for the trade. Perhaps you've already done this, but it's worth doing some manual searches now and then, with your settings opened up to show all results, not just those that match your deposit, or your timeframe. What you're looking for is the typical amount of TPUs for this type of vacation. Make sure your deposit has enough TPUs to cover that.
      Hope that helps, and good luck with it! - Deanna.
      Deanna Keahey recently posted...How RCI Trading Power Protection works

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