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

[RaySharpton]

Can you please help me validate my thoughts on using my DVC points so that I don't make the same mistake using, borrowing, or banking?

EDITED to show what I learned from everyone's help and patience is listed in this quote so that you won't have to read everything and be confused my many questions and typos.

Okay...I don't remember making five banking changes, but I think that the following is what my DVC Member Account pages says:

"Use Year September 2012-August 2013:" "ALL POINTS ALLOCATED"

"Use Year September 2011-August 2012:" "NO POINTS LEFT"
"02.10.2011 - Borrow points to use-year 09/10 from 09/11."

"Use Year September 2010-August 2011:" "NO POINTS LEFT"
"01.04.2011 - Bank points to use-year 09/11 from 09/10."
"04.25.2011 - Bank points from use-year 09/09 to 09/10."
"02.10.2011 - Borrow points from use-year 09/11 to 09/10."
"01.04.2011 - Bank points from use-year 09/10 to 09/11."

I am not making this up. This is what my account says.


So I guess that with my September 2012 Use Year has all their points allocated to use with the dates to make reservations will be from September 1, 2012 to August 31, 2013.

Next January, 2012, when I make my 11 month reservations for my home resort for December 2012, I will be all set to go to make reservations using my September 2012 Use Year has all their points.

Okay bear with me here, please.

If....


If I decide to bank these September 2012 Use Year points allocated to use with the dates from September 1, 2012 to August 31, 2013. Then they can be used as late as August 31, 2014. I think that means that I could use these same banked points for a December 2013 since they expire on August 31, 2014.

I think that I can get the rest of it.

In the year 2013, I can use my banked 2012 points and regular 2013 points to extend my vacation for about twice the length of time.

Thank you everyone for helping me with my really outrageous, ridiculously flawed questions with numerous typos.
Have I got that correct?

Thank you again, bumbershoot, Vicky_c, Disney Doc, Castleri, Chalee94, and Sammi. I hope that I got all of your names.

Ray

My use year is September, and last January, I borrowed my points. So now, my DVC Summary shows no points available today, October 2011. Okay, I understand that.

I always travel to WDW in December, and I use my DVC points for December, and make my DVC reservations at 11 months in advance for a DVC standard studio.

A couple of years ago, I made a mistake when I made an 11 month reservation, and their was no availability for my request. Really! I even tried to place a request, and hope to get a reservation later. But it never happened. So I banked my DVC points.

I did not want to stay one night and transfer back and forth to another resort. It looked like one night at one resort and transfer four times.
So I banked my points.

From my recollection, I was using my points that I received in my September 2009 Use Year, and I had to wait until January 2009 to make my 11 month reservation for the following December 2009 vacation at my home resort for a November 29, 2009 arrival.

My thought was that I could use them for my next December annual vacation. Wrong assumption on my part.

I had to use them by the end of August before my December vacation, or I would lose my banked points.

I really had not had this happen to me before because I had never banked points before.

This is where I start to confuse myself a little bit.

So last year, I used my points that I received in September 2010 and waited until late January 2011 to make my annual December vacation DVC reservation for arrival for December 6, 2011.

I also made the decision to borrow points so that I would never have the problem of losing banked points because I always travel in December.

This was also my first time to borrow DVC points. And I think that I borrowing like this so that I can have a longer DVC vacation every other year.

I apologize in advance if I am starting to confuse anyone so far.

I have almost forgotten my questions after writing all of this down from memory.

So I have a nice long December vacation planned this year.

Question One: Do I receive my DVC points every September for the next year?
(My answer is yes. I would receive DVC points in September 2012 and they would be called my 2013 September Use Year points...I think?)

Question Two: If it was September 2009, and I looked in my DVC Member Points Summary showing that I received my new allotment of points. It says it is for the next year of 2010. Could I have made reservations that September 1, 2009 through December 31, 2010?
(My answer is yes, because this is what I ususally do. And I think that I understand why. Of course, I would have to wait for the 11 month period of about January 2010 to make DVC reservations for December 2010.)

Question Three: If it was September 2009 and I looked in my DVC Member Points summary showing that I just received my new allotment of points. It says it is for the next year of 2010. What is the furtherest or last date that I could make reservations without banking those points? Is it December 31, 2010 or August 31, 2011?

Question Four: If it was September 2009 and I looked in my DVC Member Points summary showing that I just received my new allotment of points. It says it is for the next year of 2010. If I "banked" this points, would they have expired on August 31, 2011?
(My answer is yes...I think.)

Question Five: When this coming January, 2012 comes up, can I still borrow my points and make 11 month reservations for December 2012?

Question Six: If it was September 2012, and I looked in my DVC Member Points summary that I had my new allotment of points; could I also borrow DVC points and use them for my December 2013?

In summary, I think that I can Use my present Use Year DVC points, if any are available, and borrow the next Use Year DVC points and travel every other year using my DVC points.

And although I receive my DVC points in September, they are actually for the next year.

And Use Year points expire on August 31 of the next year instead of December 31st of the present Use Year...I think...I'm not so sure about this one.

My understanding is that I cannot use my DVC points every other year, if I bank my points, since my Use Year is September, and I travel every December.

Thanks in advance for any confirmations or answers as ywhen I call or email DVC Member Services, I get different answers.
Ray

 

[bumbershoot]

Just for question one. Your september points aren't for "next" year, really. For example, my use year is february, so when we get our points the points are good from that moment until Jan 31 of the next year. So yours are good from sep 1 through the end of august. Ca you imagine how confusing it is with a December use year?

When you got your points this recent september, they were 2011 points, though of course you will have longer in 2012 to use them.

"So last year, I used my points that I received in September 2010 and waited until late January 2011 to make my annual December vacation DVC reservation for arrival for December 6, 2011."

Points received in sept 10 would have been for use, without banking, for a dec trip THAT year. They would expire aug '11, and would not be available for dec '11. So you either banked your '10 points for the upcoming trips, or you used '11 points, which are good from sep 2011 through end of aug 2012.


That's all I have right now...use year questions get confusing and I start getting mixed up. I will say that if you look on dvcmember.com and look at the vacation Points section, and read it all, then expand each Use Year year it will show you the info for that.

When I look at mine, my feb 2011 points are gone for use, banking, and borrowing because I used them. Some were borrowed for our dec 2010 trip, others were used normally for our sep 2011 trip. I have no feb 2012 points because I used them all for our sep 2011 trip, having borrowed every last point. I can expand my Feb 2013 info and see that they are all there waiting for me.

It's good info, and can make things a little more simple, maybe.

 

[chalee94]

From my recollection, I was using my points that I received in my September 2009 Use Year, and I had to wait until January 2009 to make my 11 month reservation for the following December 2009 vacation at my home resort for a November 29, 2009 arrival.

My thought was that I could use them for my next December annual vacation. Wrong assumption on my part.

Sept 2009 pts could be used for a vacation in Dec 2009 or banked ahead for a stay in Dec 2010. in either case, you could book 11 months in advance at your home resort.

I had to use them by the end of August before my December vacation, or I would lose my banked points.

I really had not had this happen to me before because I had never banked points before.

your Sept 2008 pts were valid for stays from Sept 1, 2008 to Aug 31, 2009. if you banked them, they were valid from Sept 1, 2009 to Aug 31, 2010.

you can never bank pts AGAIN, so they would expire in aug 2010 and cannot be used for a stay in Dec 2010.

Question One: Do I receive my DVC points every September for the next year?
(My answer is yes. I would receive DVC points in September 2012 and they would be called my 2013 September Use Year points...I think?)

DON'T think in terms of "receiving" pts. they are already there in each UY... you can see them online through at least 2013.

DO think in terms of when your pts are valid for stays. your Sept 2011 UY pts are valid for stays starting sept 1, 2011 for one year. if you bank them, you could use them the following year (sept 2012 thru aug 2013).

you can call 11 months in advance for your home resort regardless of your UY.

so you could call in jan 2011 to book a stay for dec 2011 at your home resort. note that this stay occurs during your 2011 UY. that means you can use pts from your prior UY (banked 2010 pts, if any) + current pts (2011 UY) + borrowed pts from 2012 if needed.

when you called in jan 2011, you would still be in your 2010 UY. that does not matter at all - please don't ever think in those terms. put this out of your mind as use year is a non-issue when you call to book a reservation. you are not borrowing 2011 pts because you are calling in your 2010 UY - many people get this confused.

here is a thread about UY that you would find helpful:

http://www.disboards.com/showthread.php?t=1942668

 

[Sammie]

What is confusing you and I understand as I have an October use year is you are trying to convert everything to a Calendar year instead of a DVC Use Year.

Basically you have to think that your 2011 Use Year Calendar runs from

Sept. 1, 2011 until August 31, 2012.

Any vacations taken during that time period would use 2011 points.

If you borrow any points they move into that use year and have to be used again during that time period of Sept. 1 to Aug. 31.

Once you bank or borrow, don't even think about what year they came out as all that matters now is what year you put them in because banking and borrowing are final.

You can make a reservation at any time, use year does not matter. 11 months out for home resort and 7 months out for all others. What will matter is when you go, will determine what points are used. Again think Use Year not Calendar year.

 

[vicki_c]

I think you should scratch ALL your questions in your post and focus on what the other posters are telling you. Start from zero because any other other approach will be more confusing for you I think, because you have much of it really mixed up.

As the others said, your XXXX use year is ALWAYS:
September 1, XXXX to August 31, XXXX.

Those are the dates you can book a trip with year XXXX points. As long as the trip dates fall in that window, you are using that year's points. If you wanted to book a trip at your home resort for (made up date) September 3, 2012, you could call for the reservation on October 3, 2011 - 11 months from the date you want to go. But you would be using 2012 points for the trip.

You don't "get" your points on a particular date, they are already there and can use them to book a trip as long as it 11 months or less for your home resort, 7 months away or less for a different resort.

I won't go into borrowing/banking at this point - but I'm sure someone else will.

 

[RaySharpton]

Hi, bumberdhoot. Thank you answering my questions.

Okay...I hope that I am explaining and understanding this correctly.

I was just looking at my September 2011 Points Summary, and it says that I have no points for September 2011 Use year, but I do have them in the future for 2012 and 2013, etc..

I am assuming...which I am usually always wrong when I assume anything... that DVC Services post my points on the start of my Use Year in September every year.

I do not have any 2011 DVC points listed in my DVC Point Summary because I borrowed them when I made reservations last January 2011.

But at the same time, I also used my 2010 DVC points listed in my DVC Point Summary for my same reservations that I made last January 2011.

I guess that they made a mistake when they let me use my 2011 DVC Points for my December 2011 vacation since they are supposed to expire in August 31, 2011 since I have a September Use Year?

Unless my September 2011 Points are good from September 1, 2011 through August 31, 2012.

My September 2011 Points are good from September 1, 2011 through August 31, 2012.

I think that I just understand.

Just because it says September 2011 doesn't mean it expires in December 31, 2011.

Why was that so difficult for me to understand? Please don't answer that!

So, September 2011 Points are good from September 1, 2011 through August 31, 2012.

And that is why I could borrow them last January 2011 for my up coming vacation in December 2011.

Wait...no I don't understand?

My DVC vacation is for this December 2011.

I borrowed 2011 points for this upcoming December 2011 vacation.

I have not banked any points since my last mistake.

So the points from 2010 were also used for my upcoming December 2011 vacation. September 2010 DVC vacation points are good from September 1, 2010 through August 31, 2011.

My 2010 DVC points should have expired on August 31, 2011, but I was able to use them last January 2011 to make my upcoming December 2011 vacation.

Is this wrong...probably?

In summary:
My vacation is for December 2011.
I did not bank any points. I will never bank points again since I have to use banked points by August 31 and I alway go in December.
In January 2011, I used my current DVC points, like I usually have done, and also added borrowed DVC points to double my vacation length or stay for this December 2011.
My DVC Summary does say that I have 2012 points along with 2013 and so on.

So is my December 2011 vacation using September 2011 borrowed points that were supposed to expire in August 31, 2011?

Or is my DVC Point Summary wrong and I should not have any 2012 points?

Okay...I see that there are some other posts that I can read below.

I am just going to stop and read and absorb some of the information for awhile.

I'll let you know if I get it.

Thanks again for taking your time to respond. Ray

Just for question one. Your september points aren't for "next" year, really. For example, my use year is february, so when we get our points the points are good from that moment until Jan 31 of the next year. So yours are good from sep 1 through the end of august. Ca you imagine how confusing it is with a December use year?

When you got your points this recent september, they were 2011 points, though of course you will have longer in 2012 to use them.

"So last year, I used my points that I received in September 2010 and waited until late January 2011 to make my annual December vacation DVC reservation for arrival for December 6, 2011."

Points received in sept 10 would have been for use, without banking, for a dec trip THAT year. They would expire aug '11, and would not be available for dec '11. So you either banked your '10 points for the upcoming trips, or you used '11 points, which are good from sep 2011 through end of aug 2012.


That's all I have right now...use year questions get confusing and I start getting mixed up. I will say that if you look on dvcmember.com and look at the vacation Points section, and read it all, then expand each Use Year year it will show you the info for that.

When I look at mine, my feb 2011 points are gone for use, banking, and borrowing because I used them. Some were borrowed for our dec 2010 trip, others were used normally for our sep 2011 trip. I have no feb 2012 points because I used them all for our sep 2011 trip, having borrowed every last point. I can expand my Feb 2013 info and see that they are all there waiting for me.

It's good info, and can make things a little more simple, maybe.

 

[vicki_c]

see some items below - I didn't comment on the end part!

I was just looking at my September 2011 Points Summary, and it says that I have no points for September 2011 Use year, but I do have them in the future for 2012 and 2013, etc..

I am assuming...which I am usually always wrong when I assume anything... that DVC Services post my points on the start of my Use Year in September every year.

I do not have any 2011 DVC points listed in my DVC Point Summary because I borrowed them when I made reservations last January 2011.

But at the same time, I also used my 2010 DVC points listed in my DVC Point Summary for my same reservations that I made last January 2011.

I guess that they made a mistake when they let me use my 2011 DVC Points for my December 2011 vacation since they are supposed to expire in August 31, 2011 since I have a September Use Year? No, your 2011 points expire on August 31, 2012.

Unless my September 2011 Points are good from September 1, 2011 through August 31, 2012. Yep, this.

My September 2011 Points are good from September 1, 2011 through August 31, 2012. Again, same - yes.

I think that I just understand.

Just because it says September 2011 doesn't mean it expires in December 31, 2011.

Why was that so difficult for me to understand? Please don't answer that!

So, September 2011 Points are good from September 1, 2011 through August 31, 2012.

And that is why I could borrow them last January 2011 for my up coming vacation in December 2011. There is no need to borrow points for a trip that falls in your use year (September 11 - August 12). That is not borrowing, that is using them in their original use year. It does not matter when you make the reservation.

Wait...no I don't understand?

My DVC vacation is for this December 2011.

I borrowed 2011 points for this upcoming December 2011 vacation.No you didn't borrow 2011 points. You could have borrowed 2012 points if you needed more than you had available in your 2011 year.

I have not banked any points since my last mistake.

So the points from 2010 were also used for my upcoming December 2011 vacation. If they were banked into your 2011 use year, that's possible. If they weren't banked, that is not possible because they would expire before your trip dates. September 2010 DVC vacation points are good from September 1, 2010 through August 31, 2011.

My 2010 DVC points should have expired on August 31, 2011, but I was able to use them last January 2011 to make my upcoming December 2011 vacation. To do this, they would have to be banked into your 2011 year. You didn't actually USE them when booking, you only use them when your trip occurs.

Is this wrong...probably?

In summary:
My vacation is for December 2011.
I did not bank any points. I will never bank points again since I have to use banked points by August 31 and I alway go in December.
In January 2011, I used my current DVC points, like I usually have done, and also added borrowed DVC points to double my vacation length or stay for this December 2011.
My DVC Summary does say that I have 2012 points along with 2013 and so on.

So is my December 2011 vacation using September 2011 borrowed points that were supposed to expire in August 31, 2011?

Or is my DVC Point Summary wrong and I should not have any 2012 points?

Okay...I see that there are some other posts that I can read below.

I am just going to stop and read and absorb some of the information for awhile.

I'll let you know if I get it.

Thanks again for taking your time to respond. Ray

 

[chalee94]

just to check your answers, here you go:

Question Two: If it was September 2009, and I looked in my DVC Member Points Summary showing that I received my new allotment of points. It says it is for the next year of 2010. Could I have made reservations that September 1, 2009 through December 31, 2010?
(My answer is yes, because this is what I ususally do. And I think that I understand why. Of course, I would have to wait for the 11 month period of about January 2010 to make DVC reservations for December 2010.)

you had to wait till jan 2010 to book dec 2010 because there is an 11 month booking window. again, nothing to do with UY.

your dec 2010 stay fell within your sept 2010 UY, so you could have booked that stay with banked 2009 UY pts + current 2010 UY pts + borrowed 2011 UY pts (if needed).

Question Three: If it was September 2009 and I looked in my DVC Member Points summary showing that I just received my new allotment of points. It says it is for the next year of 2010. What is the furtherest or last date that I could make reservations without banking those points? Is it December 31, 2010 or August 31, 2011?

neither answer was correct. if you didn't bank them, your 2009 UY pts were valid for stays from sept 1, 2009 through aug 31, 2010.

Question Four: If it was September 2009 and I looked in my DVC Member Points summary showing that I just received my new allotment of points. It says it is for the next year of 2010. If I "banked" this points, would they have expired on August 31, 2011?
(My answer is yes...I think.)

correct. your 2009 UY pts were valid for stays from sept 2009 through aug 2010. if you banked them, they would be valid for stays from sept 1, 2010 through aug 31, 2011.

Question Five: When this coming January, 2012 comes up, can I still borrow my points and make 11 month reservations for December 2012?

dec 2012 is in your sept 2012 UY. so yes, if you don't have enough banked 2011 pts and current 2012 pts, you can borrow from your 2013 allocation of pts if you need to when you call in jan 2012.

Question Six: If it was September 2012, and I looked in my DVC Member Points summary that I had my new allotment of points; could I also borrow DVC points and use them for my December 2013?

in sept 2012, any unbanked sept 2011 pts would have just expired. any banked sept 2011 pts will expire if not used for a stay prior to aug 31, 2013. a stay in dec 2013 cannot be booked until jan 2013 - at that point, you could use banked sept 2012 pts + current sept 2013 pts + borrowed 2014 pts if needed.

In summary, I think that I can Use my present Use Year DVC points, if any are available, and borrow the next Use Year DVC points and travel every other year using my DVC points.

My understanding is that I cannot use my DVC points every other year, if I bank my points, since my Use Year is September, and I travel every December.

you can travel every other year using current + borrowed pts. or if you have enough banked pts, you can also travel every other year using banked + current pts.

put it this way: if you bought a resale contract with no pts available until sept 2012, you could still call in jan 2012 to book your home resort for dec 2012 with current 2012 pts + borrowed 2013 pts. you would not have to wait to "receive" the sept 2012 pts...they are already there in the 2012 UY waiting to be used for a stay between sept 1, 2012 and aug 31, 2013.

if you currently have all of your sept 2011 pts, you could bank them and call in jan 2012 to book your home resort for dec 2012 with those banked 2011 pts + current 2012 pts. you could go every other year either way...

 

[RaySharpton]

Hi, Vicki. Thank you for responding.

...Start from zero because any other other approach will be more confusing for you I think, because you have much of it really mixed up.

I just had to smile and to laugh out loud when I read this Vicki. It is so funny and so true. Thank you for the smile.

As the others said, your XXXX use year is ALWAYS:
September 1, XXXX to August 31, XXXX.

Thank you, I will always remember this.

Those are the dates you can book a trip with year XXXX points. As long as the trip dates fall in that window, you are using that year's points.

If you wanted to book a trip at your home resort for (made up date) September 3, 2012, you could call for the reservation on October 3, 2011 - 11 months from the date you want to go.

But you would be using 2012 points for the trip.

So, that must mean that the second half of my December 2011 vacation is from my "borrowed" September 2012 Use Year, which is between September 1, 2012 through August 31, 2013.

If I have written this correctly, then I guess that DVC Member services has not updated my September 2012 Point Summary because it is still showing that I have all of my points for my September 2012 Points.

This was really confusing me.

May that is the problem?

You don't "get" your points on a particular date, they are already there and can use them to book a trip as long as it 11 months or less for your home resort, 7 months away or less for a different resort.

I was wrongly trying to reconcile this issue about a specific date that DVC posted my points were available, and I think that I was also getting stuck on this point. Thank you for your advice.

Ray

 

[RaySharpton]

Hi, Chalee. Thank you for your response and the link.

Sept 2009 pts could be used for a vacation in Dec 2009 or banked ahead for a stay in Dec 2010. in either case, you could book 11 months in advance at your home resort.

My September 2009 Use Year Points were good from September 1, 2009 until August 31, 2010.

Just talking to myself here...

So I could not use my September 2009 Use Year Points for a December 2010 vacation unless I banked them.

I haven't really seen this anywhere that I can remember. So banked points for September 2009 will not expire on the regular date of August 31, 2010, but they will expire one year later on August 31, 2011.

Your Sept 2008 pts were valid for stays from Sept 1, 2008 to Aug 31, 2009. if you banked them, they were valid from Sept 1, 2009 to Aug 31, 2010.

Thank you, I think that I got it.

You can never bank pts AGAIN, so they would expire in aug 2010 and cannot be used for a stay in Dec 2010.

Got it. And very important to me because I always vacation in December.

DON'T think in terms of "receiving" pts. they are already there in each UY... you can see them online through at least 2013.

Thanks, my error, again for thinking that way.

DO think in terms of when your pts are valid for stays. your Sept 2011 UY pts are valid for stays starting sept 1, 2011 for one year. if you bank them, you could use them the following year (sept 2012 thru aug 2013).

Yes.

You can call 11 months in advance for your home resort regardless of your UY.

so you could call in jan 2011 to book a stay for dec 2011 at your home resort. note that this stay occurs during your 2011 UY. that means you can use pts from your prior UY (banked 2010 pts, if any) + current pts (2011 UY) + borrowed pts from 2012 if needed.

Thanks.

When you called in jan 2011, you would still be in your 2010 UY. that does not matter at all - please don't ever think in those terms. put this out of your mind as use year is a non-issue when you call to book a reservation. you are not borrowing 2011 pts because you are calling in your 2010 UY - many people get this confused.

Thank you. And I am still trying to resolve this issue with reading my DVC Points Summary, but it still says that I have points for my September 2012, when I actually borrowed these points to double my vacation day stay for this December 2011.

Sometimes I just think that DVC Member Services doesn't always update their website for Point Summary.

I know that I have gotten different answers from on the phone from DVC Services. That is why I had to take a vacation in August because my banked points were going to expire and I was told otherwise over the phone when I wanted to make a December vacation.

Live and learn.

Here is a thread about UY that you would find helpful:

http://www.disboards.com/showthread.php?t=1942668

Thanks again for your help. Ray

 

[RaySharpton]

Hi, Sammie. Thank you for your response.

What is confusing you and I understand as I have an October use year is you are trying to convert everything to a Calendar year instead of a DVC Use Year.

Thanks, I will remember this.

Basically you have to think that your 2011 Use Year Calendar runs from

Sept. 1, 2011 until August 31, 2012.

Thanks, I think that I understand.

I used my September 2011 Use Year Points which are good from September 1, 2011 through August 31, 2012 for the first half of my 2010 DVC vacation.

And I used I used my "borrowed "September 2012 Use Year Points which are good from September 1, 2012 through August 31, 2013 for the second half of my 2010 DVC vacation.

One of my problems is that DVC Member Services has not updated my September 2012 Points Summary to show that I used them for my December 2010 vacation.

They still show that I have all of my points ready to use which is not true.

Any vacations taken during that time period would use 2011 points.

If you borrow any points they move into that use year and have to be used again during that time period of Sept. 1 to Aug. 31.

Once you bank or borrow, don't even think about what year they came out as all that matters now is what year you put them in because banking and borrowing are final.

You can make a reservation at any time, use year does not matter. 11 months out for home resort and 7 months out for all others. What will matter is when you go, will determine what points are used. Again think Use Year not Calendar year.

Sammi, thank you again for your help. Ray

 

[castleri]

You could go to the DVC member website and check the view activity statement under the vacation points heading. It will show you exactly which points were used where.

 

[RaySharpton]

see some items below - I didn't comment on the end part!

Thanks for the clarification.

I guess that they made a mistake when they let me use my 2011 DVC Points for my December 2011 vacation since they are supposed to expire in August 31, 2011 since I have a September Use Year? No, your 2011 points expire on August 31, 2012.

I have been typing the wrong year almost all evening.

I think that I understand now thanks to your help and clarification.

And that is why I could borrow them last January 2011 for my up coming vacation in December 2011. There is no need to borrow points for a trip that falls in your use year (September 11 - August 12). That is not borrowing, that is using them in their original use year. It does not matter when you make the reservation.

I didn't have to borrow points, and I apologize for not being clearer. I was so frustrated from a previous first banking experience having to use my first banked points for an August reservation, instead of my regular December vacation that I decided to use my regular points and then borrow more points to double my vacation time for this current December, 2011 vacation.

At the time, I was trying to book a December vacation and I was told my banked points would expire on August 31st. I was determined to alway borrow points every year after that just in case I couldn't get a standard studio at BWV at 11 months. If that happened, I could still use them next year in December.

I know...it sounds silly.

I apologize for all of the typos because you really went out of your way to take your time to answer my questions and I really appreciate it.

Ray

 

[Disney Doc]

And I used I used my "borrowed "September 2012 Use Year Points which are good from September 1, 2012 through August 31, 2013 for the second half of my 2010 DVC vacation.

Not possible... borrowed 2012 points would have been usable only for a stay between September 1, 2011 and August 31, 2012. For a December 2010 stay, you must have borrowed 2011 points. That's why you still have all of your 2012 points in your account.

 

[vicki_c]

Don't worry, Ray. I really think once you get it kind of muddled in your mind, it's hard to sort out.

Once you have it down though, it will be simple as pie. Well sort of!

It's hard to say whether member services made any mistakes with your points for the prior trips or whether your information on the website is wrong - it's most likely you were talking at cross-purposes, not really understanding what each other were saying.

I recommend what the PP said about going on line and looking at your account balances for each year AND looking at your past vacation information - that might clear it up.

 

[RaySharpton]

Not possible... borrowed 2012 points would have been usable only for a stay between September 1, 2011 and August 31, 2012. For a December 2010 stay, you must have borrowed 2011 points. That's why you still have all of your 2012 points in your account.

Hi, Disney Doc. You are absolutely correct. I apologize for the confusion on my part and the number typos.

I am still trying to figure out why and what use year my points were taken from.

Ray

 

[RaySharpton]

You could go to the DVC member website and check the view activity statement under the vacation points heading. It will show you exactly which points were used where.

Hi, Castleri. Thank you for your response and I will try that again, but it is so confusing.

Don't worry, Ray. I really think once you get it kind of muddled in your mind, it's hard to sort out.

Once you have it down though, it will be simple as pie. Well sort of!

It's hard to say whether member services made any mistakes with your points for the prior trips or whether your information on the website is wrong - it's most likely you were talking at cross-purposes, not really understanding what each other were saying.

I recommend what the PP said about going on line and looking at your account balances for each year AND looking at your past vacation information - that might clear it up.

Thank you Vicki. My account is so confusing with all of the reservations made and then cancelled because of wrong room type and banking and then making a extra reservation so that I wouldn't lose my points and then buying extra points from WDW to balance out the reservation. Then making my last reservation in January for December this year.

I really made a very confusing post with all of my questions and typos.

I thank everyone for responding and I apologize if I confused everyone.

Ray

 

[bumbershoot]

"Why was that so difficult for me to understand? Please don't answer that"

I think that use year questions are among the most common because it really so easy to mix up in your head!


"And I used I used my "borrowed "September 2012 Use Year Points which are good from September 1, 2012 through August 31, 2013 for the second half of my 2010 DVC vacation.

One of my problems is that DVC Member Services has not updated my September 2012 Points Summary to show that I used them for my December 2010 vacation."


If you borrowed points from your 2012 UY then those points became 2011 UY points (sep 2011 to end of aug 2012) and couldn't have been used for a vacation at any point in 2010.

What I think happened is that you've done things correctly, but someone has described things poorly to you. And when someone describes UY stuff incorrectly, it can make a difficult situation way way worse.

I do not think that your points online are incorrect, though please do make sure, I just think it's been described wrong by CMs.

 

[RaySharpton]

Okay...I don't remember making five banking changes, but I think that the following is what my DVC Member Account pages says:

"Use Year September 2012-August 2013:" "ALL POINTS ALLOCATED"

"Use Year September 2011-August 2012:" "NO POINTS LEFT"
"02.10.2011 - Borrow points to use-year 09/10 from 09/11."

"Use Year September 2010-August 2011:" "NO POINTS LEFT"
"01.04.2011 - Bank points to use-year 09/11 from 09/10."
"04.25.2011 - Bank points from use-year 09/09 to 09/10."
"02.10.2011 - Borrow points from use-year 09/11 to 09/10."
"01.04.2011 - Bank points from use-year 09/10 to 09/11."

I am not making this up. This is what my account says.


So I guess that with my September 2012 Use Year has all their points allocated to use with the dates to make reservations will be from September 1, 2012 to August 31, 2013.

Next January, 2012, when I make my 11 month reservations for my home resort for December 2012, I will be all set to go to make reservations using my September 2012 Use Year has all their points.

Okay bear with me here, please.

If....


If I decide to bank these September 2012 Use Year points allocated to use with the dates from September 1, 2012 to August 31, 2013. Then they can be used as late as August 31, 2014. I think that means that I could use these same banked points for a December 2013 since they expire on August 31, 2014.

I think that I can get the rest of it.

In the year 2013, I can use my banked 2012 points and regular 2013 points to extend my vacation for about twice the length of time.

Thank you everyone for helping me with my really outrageous, ridiculously flawed questions with numerous typos.
Have I got that correct?

Thank you again, bumbershoot, Vicky_c, Disney Doc, Castleri, Chalee94, and Sammi. I hope that I got all of your names.

Ray

 

[chalee94]

If I decide to bank these September 2012 Use Year points allocated to use with the dates from September 1, 2012 to August 31, 2013. Then they can be used as late as August 31, 2014. I think that means that I could use these same banked points for a December 2013 since they expire on August 31, 2014.

yes, you would need to stay by aug 31, 2014. after that they expire.

(but once you bank them, they could no longer be used for stays before sept 1, 2013. you cannot "unbank" them so be sure.)

In the year 2013, I can use my banked 2012 points and regular 2013 points to extend my vacation for about twice the length of time.

in your 2013 use year, you can use both banked 2012 pts plus current 2013 pts (plus borrowed 2014 pts if you need them) to stay between sept 1, 2013 and aug 31, 2014...yes. that would work for a dec 2013 stay. (and you can book 11 months ahead at your home resort.)