They take your credit info, stall until your 30 days is up, then make it hard to cancel.
I have not seen any savings you could not get with Hotwire, etc
So, they offer you the ability to spend money up front, pay more than you should, then if you get the Best Price guarantee, that money gets banked into the ability to again spend more than needed
They are a bit slick; Are you saying that once you banked week, you only had 1 year to use it; Our issue was a bit different, but I can say that other then the maint, fee reimbursement, there are no savings on the trips as compared with what you can get online; The last minute deals may be good, not sure on that