When we purhcased, we did pay cash and were told as long as we were paid in full, we could stay as soon as we wanted. I did book a trip on points the same day I made my payment!!! My guide made all the arangements for me, all I had to do was call back the next day with my membership number to formalize the reservations. If all you want to do is make a ressie, just give them a credit card for your deposit/payment, and the next day, you will get your membership number and be able to make your ressies!!!