Combining points??

[manda487]

Hi all! My fiancée and I are thinking of taking the plunge and purchasing DVC with our home being Poly. My fiancée is wondering, if we use our points for say, a week at a grand villa, could a non DVC member rent points from a third party and combine with us? For instance, we use our 150 allotment and his parents buy 100 (third party) to add to ours to make 250? Does that make sense?

 

[TaraPA]

No, you could not combine the points from 2 different contracts. You would have to book a reservation with your points, then they would need to book a separate reservation with theirs, back-to-back in the same type of accommodation. While you could call & have a note put on the reservation that it is the same people in the same accommodation there is no guarantee that you would stay in the same room/villa. I've done this 3 times in the past when I didn't have enough points in my own contract. Twice we could stay in the same room, once we had to move.

 

[_auroraborealis_]

Or you could try to find someone to transfer you the points. They would retain home resort, so they would need to be used at 7 months, since there would be no benefit to transferring in Poly points to book a GV anyway.

 

[kniquy]

Instead of parents renting through a DVC rental - you as a member could get a transfer of points from another member and as far as payment they could pay the member. The points would be transferred into your account and then you can make the whole reservation and have control over it. The problem w/ doing a rental is that you really don't have control of the reservation. I did a transfer recently and it went very smooth. I bought points that were from the resort i wanted to book so that i didn't need to wait til the 7 month mark, within an hour of the transfer i had my reservation booked.

 

[manda487]

Thanks everyone! I don't know anyone with a DVC right now. Would Disney be able to set up a transfer or sorts if we needed one, or would that be up to me to handle?

 

[Disney Dad ADL]

Well, there's a couple ways you could do it depending on your goals:

Scenario #1: Staying at the Polynesian spending 250 points per year, book during at 7-11 months.

For this case, you need all 250 points to be Polynesian points. To accomplish this, you could buy 125 Poly points and your parents could buy 125 Poly points. Then, you can either transfer points from your parents contract to your contract every year and you book, or you could bank/borrow every other year on your contract and your parents could bank and borrow every other year on their contract.

For example, for 2016, you use your 125 points and borrow your 125 points from 2017 and spend all 250 points in 2016. Your parents bank their 2016 points to 2017 and then use all 250 points to book the 2017 trip. Then in 2018 you use your 2018 points and borrow from 2019 to book 2018, and so on.

Scenario #2: Staying at the Poly using 250 points every other year and at another resort (say BLT) every other year 250 points booking at 7-11 months.

To accomplish this, you buy 125 Poly points and your parents buy 125 BLT points, and use the same banking/borrowing trick as before, except since your parents now own BLT, you would have to stay at BLT every other year.

If you wanted to stay at a different resort, your parents can still transfer the BLT points to you, but you could only pool them together at 7 months.

 

[supersnoop]

Thanks everyone! I don't know anyone with a DVC right now. Would Disney be able to set up a transfer or sorts if we needed one, or would that be up to me to handle?

No, Disney would offer to sell you more points. Officially, it's against the rules to pay for a transfer of points.

 

[_auroraborealis_]

Thanks everyone! I don't know anyone with a DVC right now. Would Disney be able to set up a transfer or sorts if we needed one, or would that be up to me to handle?

It would be on you to find an owner and set it up. Disney does not get involved save when you both call for the transfer.

 

[Deb & Bill]

Well, there's a couple ways you could do it depending on your goals:

Scenario #1: Staying at the Polynesian spending 250 points per year, book during at 7-11 months.

For this case, you need all 250 points to be Polynesian points. To accomplish this, you could buy 125 Poly points and your parents could buy 125 Poly points. Then, you can either transfer points from your parents contract to your contract every year and you book, or you could bank/borrow every other year on your contract and your parents could bank and borrow every other year on their contract.

For example, for 2016, you use your 125 points and borrow your 125 points from 2017 and spend all 250 points in 2016. Your parents bank their 2016 points to 2017 and then use all 250 points to book the 2017 trip. Then in 2018 you use your 2018 points and borrow from 2019 to book 2018, and so on.

Scenario #2: Staying at the Poly using 250 points every other year and at another resort (say BLT) every other year 250 points booking at 7-11 months.

To accomplish this, you buy 125 Poly points and your parents buy 125 BLT points, and use the same banking/borrowing trick as before, except since your parents now own BLT, you would have to stay at BLT every other year.

If you wanted to stay at a different resort, your parents can still transfer the BLT points to you, but you could only pool them together at 7 months.

You cannot borrow transferred points. So you couldn't combine three years worth of points or two years with borrowed points. OP, if you really want bigger accommodations than studios, don't buy Polynesian points. Unless you get enough for a bungalow. And bungalows only have two real beds, four of eight in your bungalow will have to sleep on a convertible bed. Instead, consider buying a resale for less where the resorts have larger villas.

 

[miTnosnhoJ]

I would really examine your assumptions if you want to stay in Grand Villas. There are relatively few GVs compared to other sizes of villas, so it helps to be able to book them at 11 months. If you buy at Poly, there are no GVs there, so you must wait until 7 months and hope that some are left at other resorts. The best bet for GVs is to buy where you want to stay. On the other hand, if you are going in a non-peak DVC period, like the summer, you can probably find a GV at 7 months at SSR, AKV, or OKW.

For example, there are only 6 GVs at VGF
There are 22 at AKV - Kidani
14 at BLT
7 at BWV
27 at OKW
36 at SSR

And if you are going to end up in a GV at SSR, I would hate to pay Poly prices when SSR points on the resale market are much less expensive.

 

[Disney Dad ADL]

You cannot borrow transferred points. So you couldn't combine three years worth of points or two years with borrowed points.

Yes, you are correct. I'm not exactly sure what OP is trying to accomplish, but if the goal is to spend 250 points somewhere every year, then they would be able to do it with 2 separate 125 point contracts (or a 150 pt and a 100 pt contract) simply by transferring the points from one to the other every year.

And although you can't borrow transferred points, you can bank transferred points I believe?. So:

Contract A: 150 points in 2016 and 150 points in 2017
Contract B: 100 points in 2016 and 100 points in 2017

Transfer 100 2016 points and 100 2017 points from contract B to contract A
Bank the 150 2016 points and the 100 transferred 2016 points to 2017

You would be left with 500 points that you could use in 2017.

I believe this is correct, please tell me if I am wrong.

OP: if you could clarify exactly what you want to achieve it would help. There are no GVs at Poly, so buying at Poly is not a good option if that's what you want.

 

[manda487]

I wasn't stating I wanted to stay at a grand villa every year. We are planning a rather large trip in the next couple of years so we are just figuring things out right now. Thanks to all who answered without an extra bit of attitude.

 

[_auroraborealis_]

I wasn't stating I wanted to stay at a grand villa every year. We are planning a rather large trip in the next couple of years so we are just figuring things out right now. Thanks to all who answered without an extra bit of attitude.

No one has had an attitude. We've just seen far too many people buy Poly and then realize that studios don't work for their family, and there's no way to get 11-month booking priority for anywhere with more suitable accommodations. Poly is a one-trick-pony resort. It's a very pretty pony. But if you need to sleep 6 or more, it is too small and specialized a pony.

 

[Marionnette]

I wasn't stating I wanted to stay at a grand villa every year. We are planning a rather large trip in the next couple of years so we are just figuring things out right now. Thanks to all who answered without an extra bit of attitude.

I guess that I'm missing the snark that you're reading. All I see are helpful posts that explain how point transfers work with banking/borrowing.

As others have tried to point out, there are no GVs at the Poly. That means that for the times that you want to book a GV, you will have to wait for the 7-month window to book at another resort if you're a Poly owner interested in using your own points. In fact, if you want to book anything other than a studio, you have to wait for the 7-month window unless you want bank & borrow your annual 150-pt. allotment (numbers based on your OP) to use the over-priced Poly points for one of the point-sucking bungalows for a couple of nights.

You could arrange a transfer of points into your account from another DVC owner but a non-owner cannot do that. Those points can be banked into the next UY once they are transferred. And as a side note, those transferred points retain their home resort and UY, whether you bank them or not. @codina818 wrote a very detailed explanation on how transfers work in this thread. You might find it useful.

 

[Disney Dad ADL]

You could arrange a transfer of points into your account from another DVC owner but a non-owner cannot do that.

Whoops, I totally missed the point of the original post, lol. I thought that the parents were also going to buy their own DVC contract. You can pretty much ignore everything I said.

As everyone has mentioned, your parents can't buy the points, but you as a DVC owner could buy points from another owner and transfer them over, and your parents could pay you back. You can buy points from Disney, but you can only buy a few, and can only be used at 7 months.

 

[kniquy]

I don't know anyone with a DVC right now

Once you have a bunch of posts on this board you would then be able to see a rent/trade board. This is the board where you can find a member who has points to rent. You can not post that you are looking for points but you can keep an eye on the board for members who are looking to rent/transfer points. You are limited to one transfer in/out per UY. There is a bit of risk in doing so because generally you have to pay the member before the transfer of points happens. If you are going to frequently need extra points then it would likely make sense to just add on a small contract either direct or resale.

 

[Dean]

I wasn't stating I wanted to stay at a grand villa every year. We are planning a rather large trip in the next couple of years so we are just figuring things out right now. Thanks to all who answered without an extra bit of attitude.

My suggestion is you spend time learning about DVC and how the system works enough so that eventually (and before you buy) you could answer all of these type of questions for someone else. Usually that takes a good 6 months of investigation. Make sure you understand the costs, risks and benefits of the system in general and each home resort. For example, doing this using Poly points means you'd be paying retail and paying higher dues to try to get into another resort at 7 months out to get a larger villa such as a 3 BR or multiple villas. The Poly wouldn't work for that scenario. Buy in at the Poly for 150 points will cost you in the range of $25K where SSR resale would be around half that for 150 points and would work exactly the same way for the trip you quoted.

There are many ways to get a bigger trip of the type you noted (1 larger trip in a couple of years from now). Banking and borrowing with around 150 points might be enough depending on specifics but if you needed more you could pay for a transfer or do a rental and link it to a reservation you make with points you buy in the future. If DVC ends up being a good choice of you in general and one you can afford (that's pay cash in my book), then you'll need to decide home resort, number of points, Use Year and the retail vs resale direction. One usually needs a cushion in number of points anyway if buying in the 150 pt range. Say you calculated that 150 points per year is what you need ignoring this larger trip of if DVC makes changes where it'd cost you more points in the future. You might then look at a cushion of maybe an extra 20 points per year routinely. But to get the larger trip in you might need to go up a little more if that'd allow you to do it all under your own membership with banking & borrowing. Remember a 3 BR is usually going to be around double or more two 2BR villas. Lots of nuances and variables, good luck.

 

[CarolMN]

Once you have a bunch of posts on this board you would then be able to see a rent/trade board......(snip).......

Just clarifying:

There is no minimum number of posts needed to see the Rent/Trade Forum. You just need to be logged in to the DIS.

There is no minimum number of posts required to reply to any thread offering points for rent, points for transfer or a confirmed reservation.

There is a minimum number of posts required to OFFER your points if you do not want to pay a fee.

 

[DenLo]

Also DVC does not permit paying for transferred points.

J. Club Members are expressly prohibited from receiving compensation for engaging in any Transfer activity.

You can rent and pay for points as long as they are not transferred. Transfers via renting does happen a lot, but no mention of the rental is ever made when contracting member services.