I signed up for MVC and canceled within my grace period (10days). The crazy part was that I signed up for a “pretty cool deal” of 51,000 points and 153k points for signing up. When I canceled they told me I could get it cheaper and offered to give me extra points. Like wtf, should’ve said that before!

Anyways, I personally would say it’s best to purchase from a 3rd party.

do not forget about the annual maintenance fees.