bank borrow and buy points--more confused after talking to DVC please help

[Dznypal]

were planning on going from Jan 28 2020 to feb 4 2020

poly is our home resort which I would need 133 for the week

we have 94 left from this year points so I would need to borrow 39 points from next year

at the 7th month we are hoping to change to the beach club--which is 113 for the week I would need to only borrow 19

now what happens to these extra points--Im not worried about borrowing 19 points for the beach club but the 39 is a little steep to borrow--

so its a difference of 20 points will I be able to bank them--

and from what I was told I cant buy points till the 7th month-but we like to book our home resort at 11 months so were sure we have a place to stay

thanks

 

[cvjw]

Borrowed points stay in the year borrowed into. You could bank current year points into the next year if you need fewer points for your reservation.

 

[Marionnette]

were planning on going from Jan 28 2020 to feb 4 2020

poly is our home resort which I would need 133 for the week

we have 94 left from this year points so I would need to borrow 39 points from next year

at the 7th month we are hoping to change to the beach club--which is 113 for the week I would need to only borrow 19

now what happens to these extra points--Im not worried about borrowing 19 points for the beach club but the 39 is a little steep to borrow--

so its a difference of 20 points will I be able to bank them--

and from what I was told I cant buy points till the 7th month-but we like to book our home resort at 11 months so were sure we have a place to stay

thanks

What's your UY?

 

[KAT4DISNEY]

were planning on going from Jan 28 2020 to feb 4 2020

poly is our home resort which I would need 133 for the week

we have 94 left from this year points so I would need to borrow 39 points from next year

at the 7th month we are hoping to change to the beach club--which is 113 for the week I would need to only borrow 19

now what happens to these extra points--Im not worried about borrowing 19 points for the beach club but the 39 is a little steep to borrow--

so its a difference of 20 points will I be able to bank them--

and from what I was told I cant buy points till the 7th month-but we like to book our home resort at 11 months so were sure we have a place to stay

thanks

What is your UY?

Assuming that you are in fact borrowing then yes, if you borrow more points than you end up needing the rebooking would free up 20 points that could then be banked into your UY as long as you are still in your banking window.

Or you could take a risk and not book a week at PVB. At 7 months you could attempt to change and if you couldn't then you could book the final night or two and borrow at that time or purchase the one time use points. There's the possibility that PVB would not have availability that would leave you booking those remaining nights elsewhere and then waitlisting for PVB but I think it's a decent chance the night for Poly will still be there if you can't get BCV. Getting BCV studio for a week will be the toughest part.

 

[Pooh12863]

were planning on going from Jan 28 2020 to feb 4 2020

poly is our home resort which I would need 133 for the week

we have 94 left from this year points so I would need to borrow 39 points from next year

at the 7th month we are hoping to change to the beach club--which is 113 for the week I would need to only borrow 19

now what happens to these extra points--Im not worried about borrowing 19 points for the beach club but the 39 is a little steep to borrow--

so its a difference of 20 points will I be able to bank them--

and from what I was told I cant buy points till the 7th month-but we like to book our home resort at 11 months so were sure we have a place to stay

thanks

Your points get returned into the use year of the reservation, if that's going to hurts you or not depends on your use year.

 

[Buzzsgramma]

Never say never ...but I have to agree with Kat4Disney...a studio at BCV for a week....I mean it is Jan-Feb you are talking about....but the thing is...SWGE(Star Wars) opening this fall..changes everything....
We have owned BWV since 2000....we finally just stayed at BCV in Jan this year....I got points from my friend who owns there...!!!

 

[Dznypal]

Hope I did the right thing. I booked poly for only 6 nights instead of a week in the event I can get BC. Since that is less points we only have 100 points contract so I can’t afford to have points to expire So I only had to borrow 12 points for the 6 nights. If I get BC for a week it’s only one more point which I will just borrow if that’s not available hoping then to add one night at poly. Those are the points I will buy since I can only do that at 7 months I’m trying to avoid having points go over to holding or back into this years use year we have Aug use year so points need to be banked by the end of March or used by the end of July. This is the part of being in the DVC is watching points that is still confusing for me. Thanks for all the help

 

[Pooh12863]

Hope I did the right thing. I booked poly for only 6 nights instead of a week in the event I can get BC. Since that is less points we only have 100 points contract so I can’t afford to have points to expire So I only had to borrow 12 points for the 6 nights. If I get BC for a week it’s only one more point which I will just borrow if that’s not available hoping then to add one night at poly. Those are the points I will buy since I can only do that at 7 months I’m trying to avoid having points go over to holding or back into this years use year we have Aug use year so points need to be banked by the end of March or used by the end of July. This is the part of being in the DVC is watching points that is still confusing for me. Thanks for all the help

You have 94 2018 points left, your ressie is in use year 2019. You can bank your 2018 points and use those and any other you need from 2019 to make your ressie. Any points returned would return into use year 2019 and would be bankable as your banked points from 2018 would stay with the ressie. You technically didn’t borrow any points, you used 2019 points to make a 2019 UY reservation.

 

[Marionnette]

Hope I did the right thing. I booked poly for only 6 nights instead of a week in the event I can get BC. Since that is less points we only have 100 points contract so I can’t afford to have points to expire So I only had to borrow 12 points for the 6 nights. If I get BC for a week it’s only one more point which I will just borrow if that’s not available hoping then to add one night at poly. Those are the points I will buy since I can only do that at 7 months I’m trying to avoid having points go over to holding or back into this years use year we have Aug use year so points need to be banked by the end of March or used by the end of July. This is the part of being in the DVC is watching points that is still confusing for me. Thanks for all the help

I wish that you had answered about your UY before you pulled the trigger on this reservation because it really mattered.

As @Pooh12863 pointed out, your 94 points are in your 2018 UY but the reservation falls in your 2019 UY. Those 2018 points should have been banked before making the Poly reservation and then you would have had 198 points to play with. There would have been no need at all to borrow from your 2020 UY

Now, you still have those 2018 points in their current UY. You haven't used them and they need to be banked before the end of this month. And they will need to be used by July 31, 2020. Your 2020 UY now has only 88 points in it.

I suggest calling Member Services to straighten this out. This is what you now need to do:

1. Bank the 94 points from Aug. 2018 into the 2019 UY.
2. Ask to reallocate the points used for the reservation.
3. Use the 12 borrowed points and then the 94 banked points. Total = 106.
4. Apply 6 2019 UY points to the remainder needed to complete the reservation.

Your final point balance would end up looking like this:

• Aug 2018 = 0
• Aug 2019 = 94
• Aug 2020= 88

If BC becomes available at 7 months, you would just use one more point from the 2019 UY. No need to borrow.

 

[Dznypal]

Thanks so much for all this grest advice. For some reason I always think of left over points after making the next tessie to bank. So actually is it a better idea to first bank points and then make a ressie also would MS redo my ressie. Would this help to save points somehow cause what your showing in points is what I was figuring I’d have left. Or would this work better if BC is open. This part of the DVC always has me so confused. And thanks for reminder. I’ll make sure to mention my UY when I have questions thanks so much for all the grest advice

 

[Marionnette]

Thanks so much for all this grest advice. For some reason I always think of left over points after making the next tessie to bank. So actually is it a better idea to first bank points and then make a ressie also would MS redo my ressie. Would this help to save points somehow cause what your showing in points is what I was figuring I’d have left. Or would this work better if BC is open. This part of the DVC always has me so confused. And thanks for reminder. I’ll make sure to mention my UY when I have questions thanks so much for all the grest advice

In this case, it would have made sense to bank your 2018 points first before making the reservation. That isn't true for all cases. A lot is dependent on when the reservation falls with respect to your UY.

MS should be able to help you out by banking the points for you and then reallocating them so that you don't lose the reservation. This will give you more flexibility with your points by leaving you with 2019 points that can be banked into 2020 if need be. Or, if you wish to go again in your 2019 UY, you can still borrow from 2020 to complete a reservation. It doesn't save points, it just redistributes them so that the remaining points expire at a later date.

 

[Dznypal]

Thanks so much for all the great advice marrionette I’m very slowly getting the hang of what to do with points. It does get confusing though. I’ll callMS and ask if the can reallocate the points. With only 100 points a year we have to be careful not to waste them thanks again

 

[Dznypal]

Also you mention about when a ressie falls. Our UY is aug and we usually go the end of Jan beginning of feb. so for this plan would it be better to bank points first by the end of March and the make the ressie. Or just do what I’ve been doing which would be current points and then borrow. Thanks again

 

[Marionnette]

Also you mention about when a ressie falls. Our UY is aug and we usually go the end of Jan beginning of feb. so for this plan would it be better to bank points first by the end of March and the make the ressie. Or just do what I’ve been doing which would be current points and then borrow. Thanks again

You can manage your account any way that you see fit. As things stand right now, you borrowed points from 2020 and that would not have been necessary had you banked the 2018 points first.

Now, you have:

• 94 2018 points which must either be banked by the end of this month or used by July 31, 2019. If banked into 2019, then they must be used by July 31, 2020.
• 0 2019 points because you used all 100 points for your reservation.
• 88 2020 points because you borrowed 12 into 2019 in order to make that reservation.

Had you banked the 2018 points into 2019, you would have had:

• 0 2018 points because all 94 would have been banked into 2019
• 92 2019 points (which are bankable into 2020) because you would have used 94 points banked in from 2018 and 8 from 2019 to make the reservation
• 100 2020 points, because there was no need to borrow

If you call MS to clean this up, you will have:

• 0 2018 points because you banked them into 2019
• 94 2019 points (which are bankable into 2020) because that's what is left after taking the points needed to complete the reservation after using banked (94) points and borrowed (12) points.
• 88 2020 points, because those 12 borrowed points cannot be returned to their original UY

It just makes it easier to keep track of expirations if you don't have a mish mosh of banked + current + borrowed points in a UY.

 

[Pooh12863]

If you explain your confusion to MS they may sprinkle some pixie dust and allow you to unborrow your 2020 points.

 

[Dznypal]

well I called and he explained that everything was done right and we were set to go

Im not sure if he really understood what I was asking

he went through my whole banking borrowing

Ill call later and hopefully get some else who will understand what Im trying to ask

I did say about realloctting my points

so Im going to write this down for 2021 trip

what I need to do first is bank by points (have Aug UY) even before I make my 2021 ressies

then Ill have both 2020 and 2021 in one "bank" which should be 88 from 2020 and 100 from 2021 do I have this right

then when I make our 2021 which would be 11 months out so Ill have 188 points usually our trips are under 120 points so that would give me 68 points to bank

then the trip after that would I have to make sure they use the banked points of 68 first and then that years points

thanks again for the great tips

 

[Marionnette]

well I called and he explained that everything was done right and we were set to go

Im not sure if he really understood what I was asking

he went through my whole banking borrowing

Ill call later and hopefully get some else who will understand what Im trying to ask

I did say about realloctting my points

so Im going to write this down for 2021 trip

what I need to do first is bank by points (have Aug UY) even before I make my 2021 ressies

then Ill have both 2020 and 2021 in one "bank" which should be 88 from 2020 and 100 from 2021 do I have this right

then when I make our 2021 which would be 11 months out so Ill have 188 points usually our trips are under 120 points so that would give me 68 points to bank

then the trip after that would I have to make sure they use the banked points of 68 first and then that years points

thanks again for the great tips

What are your plans for your 2019 points?

Right now you have

Zero 2019 points and 94 2018 points banked into your 2019 UY, with those banked points needing to be used between 08/01/2019-07/31/2020.

OR

You have 94 2019 points which can either be banked into 2020 or used during the period starting 08/01/2019-07/31/2020. If banked they will need to be used between 08/01/2020-07/31/2021.

OR

You never banked the 2018 points and they will expire after 07/31/2019

It will depend on what’s going on with your points because at this point, I’m totally lost as to what you have done with them. But in any case, you will need to make future plans that use those points so that you do not lose them. It’s almost an entire year’s worth of points for you.

 

[KAT4DISNEY]

well I called and he explained that everything was done right and we were set to go

Im not sure if he really understood what I was asking

he went through my whole banking borrowing

Ill call later and hopefully get some else who will understand what Im trying to ask

I did say about realloctting my points

so Im going to write this down for 2021 trip

what I need to do first is bank by points (have Aug UY) even before I make my 2021 ressies

then Ill have both 2020 and 2021 in one "bank" which should be 88 from 2020 and 100 from 2021 do I have this right

then when I make our 2021 which would be 11 months out so Ill have 188 points usually our trips are under 120 points so that would give me 68 points to bank

then the trip after that would I have to make sure they use the banked points of 68 first and then that years points

thanks again for the great tips

First let's actually verify what points you were working with. If MS says you did things right then I'm going to guess it was actually 2019 and 2020 points and that you have used your 2018 points previously.

When you sign in online and look at your Dashboard it's going to show you Aug 2018 points and Aug 2019 points under vacation points. What do those numbers say? Is there anything under either of them?

 

[Dznypal]

sorry about all these questions--but I am so confused right now

my dashboard shows aug 2018 zero points--we were just in WDW Jan of this year

aug 2019 points zero used for 2020 trip

so aug of 2019 we will get 88 points that are left over from 2020

we only go once a year for a week

so we use the points we get in aug for the following Jan trip plus we borrow a few from the next year

when we bought into the DVC in Jan of 2016 they also gave us 2015 points so I banked those in march of 2017 and then in aug we got our 100 points for 2017 (or maybe 2018 Im not sure if we go ahead or back with the points which is where some of the confusion comes in)

and with only 100 weve always had to borrow some from the next year--

Im still going to call later and hopefully get someone who can understand what Im trying to do with realloctting the points

thanks again

 

[KAT4DISNEY]

sorry about all these questions--but I am so confused right now

my dashboard shows aug 2018 zero points--we were just in WDW Jan of this year

aug 2019 points zero used for 2020 trip

so aug of 2019 we will get 88 points that are left over from 2020

we only go once a year for a week

so we use the points we get in aug for the following Jan trip plus we borrow a few from the next year

when we bought into the DVC in Jan of 2016 they also gave us 2015 points so I banked those in march of 2017 and then in aug we got our 100 points for 2017 (or maybe 2018 Im not sure if we go ahead or back with the points which is where some of the confusion comes in)

and with only 100 weve always had to borrow some from the next year--

Im still going to call later and hopefully get someone who can understand what Im trying to do with realloctting the points

thanks again

Thanks for that reply. Also, no need to call MS again as it does sound like you've done things correctly - there would be points showing under 2018 if there was anything left to bank and reallocate. There was something in they way you stated what had been done when you booked that someone assumed to mean you still had 2018 points but you do not.

When we reference UY points it's always the actual year they become available. But none of the UY's follow the calendar so just using your August as an example as of today you are in your 2018 UY as the points from then are valid for stays from Aug 1, 2018 to July 31, 2019 and we're in March of 2019. Since you just went in January it sounds like you used those 2018 points (Jan 2019 is in your 2018 UY) plus some others from a different UY whether they were banked from your 2017 UY or borrowed from your 2019 UY.

Now you are booking your Jan 2020 trip which falls in your Aug 2019 UY - points for your 2019 UY are valid for stays from Aug 1, 2019 to July 31, 2020 so the Jan 2020 falls almost right in the middle of your UY. For that Jan trip you could have used banked 2018 points if you had them but your dashboard indicates you do not have any 2018 points. Then you could use the current 2019 points and/or borrow 2020 points - which is what you did do.

To me it sounds as if you are fine and just crossing fingers to be able to switch to BCV or else to purchase some OTU points and for PVB to still be available to book the last night at 7 months.