I understand banking your points and when you have to use them. Now, how about borrowing from the following year? Can you borrow the full amount or what type of limits are there? Thanks!
DVC has the right to limit banking and borrowing, but to my knowledge they never have.
You can borrow your entire point allocation. The only 'limit' I can think of is that you must use your borrowed points in the use your into which you borrowed them. You can't rebank them.