2 Contracts Help!!

[SusanWasHere]

ok, i just got off the phone with my guide, and i think i confused him as well as myself with my question. i KNOW someone on here will be able to explain this where i can understand LOL

i own 150 pts at SSR. i am looking to add on 100 at BCV. my use year is august. being a teacher, i always take my vacations in august. so my question is, say i reserve my vacation at BCV in september for the following august. say i need 220 pts. will i be able to use my 100 from BCV and the other 120 from my SSR acct? i know scheduling ahead of time at 11 months they would "borrow" those points from my next use year at BCV. but once the 7 month mark hits, can my BCV "borrowed" points go back and then use my SSR points? ideally i would like to do my once year vacation just using my pooled 250 points from the 2 accounts. is this possible? i'd rather not have to worry about all the borrowing and banking.

my guide said something about alternating vacation years doing banked and borrowed points from the 2 contracts and booking 11 months at both and then pooling points. omg i was so confused.

did i make sense? or confuse everyone? any help would be great! the answer is what my add on is dependent on LOL thanks in advance

 

[vicki_c]

Each set of points maintains it's own home resort priority - so you can only book 11 months out at BCV using BCV points (just an example),

Someone just explained this to me on another board and it did make my head spin a bit. I'm sure she'll be along to explain it again (Carol?).

You'd basically have to book a trip using 2 years of SSR pts only (so say -- trip in 2009 using banked 2008 SSR pts + 2009 SSR pts and a trip at your other home resort in 2010 using banked 2009 points + 2010 pts at that resort).

OK, I'm probably digging myself in deep here, but that's the way I understand it. Once you bank points they don't become "generic" with an 11 month priority anywhere than what their home resort is.

 

[5forDiz]

At 11 months points only have their specific Home Resort accessible for that booking advantage.

At 7 months all points become " equal " and can be used to book any DVC resort.

I think you are asking a banking / borrowing question too if I am reading your post correctly : once you borrow points from an upcoming Use Year they can't be returned back into that Use Year; you would need to use those borrowed points during the Use Year you borrowed them into.

And when you bank points into an upcoming Use Year they cannot be moved back to the original Use Year.

 

[1-407-WDWJUNKIE]

As has been mentioned already you cannot 'unborrow' or 'unbank' points, once banked or borrowed you cannot move the points back to thier original use year.

To make a 220 point reservation at BCV in the 11 month window you would need to bank 100 BCV points into the use year during which your vactaion takes place and then borrow 20 BCV points from the following use year for example. That would give you 220 BCV points to use in one year (you may want to consider a 110 point add on if you plan on 220 being a regular cost).

I hope that makes sense. If it does not don't read the next section.

What you could do at the seventh month window is try to switch your 100 not banked or borrowed points with SSR Points, freeing up your 100 BC points, which could be banked into the following year (the one that has 80 left because you already borrowed 20). You would then have 180 the following year and could borrow 40 from year after that to get your 220 points.

***WARNING*** This is frowned upon by many members and as it is basically abusing the system to use non BC points at the 11month window. I *think* member services only allows this if there is availability at for the ressie swapped at the time you try to switch points - in effect you must cancel certain days and rebook them with ssr points (so you may not be able to get exactly 100 points back).

Did I mention you may want a 110 point add on?

 

[Grandbuddy]

I believe MS would only allow you to swap the SSR points to replace the BC points for a BC reservation originally made at the 11-month mark IF the dates and accommodations you desire are available to any caller at the time you want to do the swap. (In other words, if you would have been able to get your reservation if you had called for the first time on the day you are trying to wiggle your points around.) I wouldn't count on that.

 

[Love That Mouse]

We own 100 pts. at AKV and 160 at Saratoga. Here is what we are thinking of doing. Maybe someone can tell me if this is a good idea or not.

Even years: use the SSR 160 and borrow the next years so we would have 320 pts to use from SSR

Bank the 100 AKV points so on Odd years we would have 200 pts to use on those years.

Does that make sense or even sound reasonable. We also are trying to find the easiest way to manage two contracts.

Thanks for any help or advice.

 

[Telcogirl]

Subscribing

 

[KAT4DISNEY]

We own 100 pts. at AKV and 160 at Saratoga. Here is what we are thinking of doing. Maybe someone can tell me if this is a good idea or not.

Even years: use the SSR 160 and borrow the next years so we would have 320 pts to use from SSR

Bank the 100 AKV points so on Odd years we would have 200 pts to use on those years.

Does that make sense or even sound reasonable. We also are trying to find the easiest way to manage two contracts.

Thanks for any help or advice.

Yes, it makes sense and is reasonable. Then you will alternate where you stay every other year and still have your 11 month booking window. It's probably the best way in order to not have to worry about trying to switch anything at 7 months.


To the OP - it sounds as if you only want to stay at BCV every year and the only way to do that with your SSR points will be to book with the SSR points at 7 months. Only your BCV points will be able to be used to book BCV at 11 months.

 

[wildernessDad]

ok, i just got off the phone with my guide, and i think i confused him as well as myself with my question. i KNOW someone on here will be able to explain this where i can understand LOL

i own 150 pts at SSR. i am looking to add on 100 at BCV. my use year is august. being a teacher, i always take my vacations in august. so my question is, say i reserve my vacation at BCV in september for the following august. say i need 220 pts. will i be able to use my 100 from BCV and the other 120 from my SSR acct? i know scheduling ahead of time at 11 months they would "borrow" those points from my next use year at BCV. but once the 7 month mark hits, can my BCV "borrowed" points go back and then use my SSR points? ideally i would like to do my once year vacation just using my pooled 250 points from the 2 accounts. is this possible? i'd rather not have to worry about all the borrowing and banking.

my guide said something about alternating vacation years doing banked and borrowed points from the 2 contracts and booking 11 months at both and then pooling points. omg i was so confused.

did i make sense? or confuse everyone? any help would be great! the answer is what my add on is dependent on LOL thanks in advance

You would not be able to combine your SSR points and BCV points to use at BCV at the 11-month point.

You would not be able to unborrow your points. Banking and borrowing are final transactions.

You could bank your BCV points and borrow SSR points to book SSR one year, and then BCV the next. You could continue this to alternatively stay at SSR and BCV.

Again, you cannot pool points from different home resorts at the 11-month point.

 

[SusanWasHere]

thank you soooo much to everyone!! i really appreciate your time and knowledge! it helped a lot! i think i had talked to my guide so much that i was even confusing myself LOL. but you all made sense and now it's all cleared up for me thank you, thank you

 

[CarolMN]

I believe MS would only allow you to swap the SSR points to replace the BC points for a BC reservation originally made at the 11-month mark IF the dates and accommodations you desire are available to any caller at the time you want to do the swap. (In other words, if you would have been able to get your reservation if you had called for the first time on the day you are trying to wiggle your points around.) I wouldn't count on that.

Grandbuddy is correct.

Junkie - It's not that some members "frown" upon the practice. It's about the integrity of the home resort booking advantage.

For example, let's say I use BCV points to make a reservation when the 11 month window opens. You call at 9 months and want the same thing I already have, but all is booked solid. You go on the waitlist.

Then I call after the 7 month window opens and ask MS to use my SSR points for that reservation (because I want to use my BCV points to book something else in the 11 month window). If MS allowed it, how is that fair to you? I now have a reservation at BCV made with SSR points that could not have gotten that reservation at the time it was made. You should get the reservation - you were willing to use BCV points to get it.

If you think about it, the home resort booking advantage would become vitually meaningless if that practice were allowed.

You could go further. What if you called at 7 months and went on the waitlist. Then suppose I called at 5 months to do the "substitution". Should I be allowed to substitute my SSR points or should the reservation go to you - because you were on the waitlist willing to use your SSR points before I called to use mine? This isn't quite as clear cut as the first example, but you see where I am going with it.

In the end, if there is no waitlist, then it's not a problem to cancel and re book using non home resort points. If there is a waitlist, "point substitutions" should not be allowed.

 

[1-407-WDWJUNKIE]

Junkie - It's not that some members "frown" upon the practice. It's about the integrity of the home resort booking advantage.

For example, let's say I use BCV points to make a reservation when the 11 month window opens. You call at 9 months and want the same thing I already have, but all is booked solid. You go on the waitlist.

Then I call after the 7 month window opens and ask MS to use my SSR points for that reservation (because I want to use my BCV points to book something else in the 11 month window). If MS allowed it, how is that fair to you? I now have a reservation at BCV made with SSR points that could not have gotten that reservation at the time it was made. You should get the reservation - you were willing to use BCV points to get it.

If you think about it, the home resort booking advantage would become vitually meaningless if that practice were allowed.

You could go further. What if you called at 7 months and went on the waitlist. Then suppose I called at 5 months to do the "substitution". Should I be allowed to substitute my SSR points or should the reservation go to you - because you were on the waitlist willing to use your SSR points before I called to use mine? This isn't quite as clear cut as the first example, but you see where I am going with it.

In the end, if there is no waitlist, then it's not a problem to cancel and re book using non home resort points. If there is a waitlist, "point substitutions" should not be allowed.

Here is where I am confused. I know this subject gets people all hot, but as I said in my post I believe there has to be availability - is not that the case?

I agree that you should in effect have to cancel your reservation made with home resort points and rebook with non home resort points. Member services will not swap them if there is no availability. And I think this is the rule. If it is, I see nothing wrong with it, and don't know why people get so uppity.

Now if MS will swap the points without there being availability I can see why people get angry - but really they should be angry at DVC, not the member. DVC makes the rules, and they apply to everyone equally. Granted you need to own at two resorts to make this work, but still it is DVC's fault for allowing it to happen (if they do allow it - which they shouldn't).

 

[vwlvette]

OP, Are you a math teacher????, just kidding, This is why we purchased a 300 point contract at VWL because that is where we want to stay. We need to take advantage of the 11 month window, We are going in 39 days, during your Teachers convention. 11/4 - 11/10 we keep the kids out for only 2 days, this year with election day off, then the convention, we are able to extend our normal 6 day 5 night trip to 7 days and 6 nights, Got to love that teachers convention!

 

[CarolMN]

Here is where I am confused. I know this subject gets people all hot, but as I said in my post I believe there has to be availability - is not that the case?

I agree that you should in effect have to cancel your reservation made with home resort points and rebook with non home resort points. Member services will not swap them if there is no availability. And I think this is the rule. If it is, I see nothing wrong with it, and don't know why people get so uppity.

Now if MS will swap the points without there being availability I can see why people get angry - but really they should be angry at DVC, not the member. DVC makes the rules, and they apply to everyone equally. Granted you need to own at two resorts to make this work, but still it is DVC's fault for allowing it to happen (if they do allow it - which they shouldn't).

No argument from me - not sure where you saw posters upset about it. I don't recall anyone upset about substitutions if there was still availability.

As you say, just as long as there is availability for the same dates and unit size & type (in other words, no waitlist), there isn't an issue.

 

[SusanWasHere]

well i think i asked this question for nothing after all lol! if i were to add on at beach club and then alternate the points i use every other year, it wouldn't work for me! my use year is august and i vacation the end of august. so banking my points would have them expire july 31. i teach autistic children so i teach all year, end of august is the best time for me. so poo! guess i can't add on at bcv. my guide said one option is to sell SSR and then just buy a full beach club contract with a different use year. i think it's too much trouble. oh well!

 

[1-407-WDWJUNKIE]

well i think i asked this question for nothing after all lol! if i were to add on at beach club and then alternate the points i use every other year, it wouldn't work for me! my use year is august and i vacation the end of august. so banking my points would have them expire july 31. i teach autistic children so i teach all year, end of august is the best time for me. so poo! guess i can't add on at bcv. my guide said one option is to sell SSR and then just buy a full beach club contract with a different use year. i think it's too much trouble. oh well!

You definately can do what you want with 100 points - did your guide give you the impression you couldn't? (mine seemed to want to discourage me when I asked about adding on at BCV).

Say you get yor first set of 100 points August 1 2009. When you bank them they are moved into the August 2010 year - you have no points anymore for 2009, but on August 1 2010 you get 200 BCV Points available. You could book your vacation in September 2009 because you have the 200 points you need in 2010. If you need a few more points you can borrow them from 2011.

Trust me, I started with a measly 50 point BCV contract - on which we could spend a week in a Studio every other year in Adventure Season (did have to borrow 4 points from the following year).

Once banked or borrowed the points cannot be put back to their original use year. They also cannot be banked a second time. So if you bank 2009 points into 2010 you cannot then bank them again into 2011.

I hope this helps.

 

[KAT4DISNEY]

well i think i asked this question for nothing after all lol! if i were to add on at beach club and then alternate the points i use every other year, it wouldn't work for me! my use year is august and i vacation the end of august. so banking my points would have them expire july 31. i teach autistic children so i teach all year, end of august is the best time for me. so poo! guess i can't add on at bcv. my guide said one option is to sell SSR and then just buy a full beach club contract with a different use year. i think it's too much trouble. oh well!

As the previous poster mentioned you absolutely would be able to use banking and it would work out perfectly (IMO). For example - if you already owned 100 pts at BCV you could have banked your Aug 2007 points by March 31, of 2008 (that would have expired July 31, 2008) into your 2008 UY. Then you could have made your reservation for late August of 2008 with a combination of your banked 2007 pts and your Aug 2008 points. Your banked 2007 points would not expire until July 31, 2009 along with your 2008 points if you didn't use or bank the '08 pts.

Banking and borrowing should always work no matter what your UY and when you travel. The only concern would be if you were unable to make your usual trip (in my example - late Aug 2008). Then you would need to use your 2007 pts by July 31 of 2009 and there is no option to re-bank them. But, that's where you end up having the perfect UY for this - you would have almost 12 months to plan another trip or to try and find someone else who would want to use your points.