Can you please help me validate my thoughts on using, banking, borrowing my DVC pts.?

Do you bank or borrow to make DVC reservations every other year for a vacation?

  • I make DVC reservations every other year by borrowing points.

  • I make DVC reservations every other year by banking points.

  • I make DVC reservations every other year by banking and borrowing points.

  • I go on DVC vacations every year and not every other year using DVC my points.


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I hope this helps and does not confuse.

You can combine three years points at onceYear 1 you can bank them into year 2

Year 2 you can use them and also borrow year 3

This would let you use 3 years of points in year 2 on one big trip.

The banking and the borrowing is like budgeting your allowance money when you were a kid. You save up (bank) for something to buy. Use the money on hand (current use year) and then ask Dad for an advance on your allowance (borrow) to go buy the item at the toy store that went on sale.

And just like dear old Dad, there are rules for doing it without having to clean out the garage.

Another way to explain it would be expiring script if you ever served in the military or watched MASH- every once in a while they color of the script would change. It had to be exchanged or it expired.
Points have to be used by a certain date or banked (or they expire).

WHen you bank you are just moving points from year 1 into year 2.
Year 1 points can never be moved into year 3.
Once you bank, you get one extra year from the points, but have to use them up by then.


I do know how your points use online can look so odd. Things were processed exactly the way you mentioned them. Since you did not understand use years, they pronbably just processed what you asked. They did not explain how to best manage your points.

Also can happen when you have a reservstion and then make changes to it. If one was not cancelled before the next was made they might have made sure availability was there before cancelling the old res. That would have them crossing into points to make it work.
 





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