I recently joined DVC and have a question regardiing the banking of points. I have selected April as my use year and am having some second thoughts. Since I haven't signed the contract, I believe that I am still able to change the use year. My family will likely be traveling during either the May-June months or the Oct-November months. Having just joined DVC we received 160 points immediately (representing 2009 points) and will be receiving an additional 160 points as of April 1st. However, we will be traveling next week and will be using 135 points for the trip, leaving 25 points to be banked. So, as of April 1st, we will have 185 points, 25 of which can no longer be banked. That creates to problems: 1) I lose those 25 points unless I travel before April 2011, which I don't intend to do since we will be traveling in May 2011. 2) Assuming I bank the newly issued (April 2010) 160 points and am looking to make a reservation in May 2011, will DVC make me borrow 2011 points to make that reservation (i.e., not let me use the April 2010 banked points)? If so, then as of April 2011, I will have 160 points that cannot be banked again - leaving me in a situation to forfeit another 160 points unless I travel before April 2012. Thoughts would be appreciated.