How many years can I bank my points please?

[Windsor Hills 5/5]

We have 320 points and I reckon if I bank them for long enough we might one day be able to go on the cruise but is there a maximum time I can bank for? I know I can borrow from the following year too.

Thanks

[juliebrooks35]

You can only bank points into the following year. For example, I've got 2007 points that I've banked into 2008. My user year is April so I've got to use these banked points between 1/4/08-31/3/09 or I'll lose them. I'm not planning to travel to WDW again until summer 2009 unfortunately so I'll need to rent my 2007 points.
Hope this makes sense.:)

[DKH01701]

You can only bank into one year, but you can also borrow from one year. So the most you could accumulate for a particular year would be 320 x 3 = 960 points.

So in year one no points, year two 960 points, year three no points. But in year three you could borrow from year four, and on and on......

[Windsor Hills 5/5]

Thank you that makes sense now. We have been members 3 years you'd think I'd know by now. Perhaps I'd better look and see if I can get on a cruise with 960 points now.