Does anyone not bank their points?

[nerdboyrockstar]

I banked the rest of my points for this year at the cutoff for December UY which was July 31st. I'm a FL resident so last-minute Disney trips are an option for me and have been. Even if I need to use points before they expire, pretty sure I can just run up and use try to use them before I lose them.

My friend decided on a bday trip to WDW last minute this month... I didn't have the points anymore so couldn't snag anything with DVC. I even tried taking advantage of my BOGO one-time-use points with Beyond but that process sucks since the only way to grab something so last minute is to book it as soon as you see it. Not wait on hold for 10 minutes for member services, talk to a CM, etc.

Turns out I'll be in LA next month and have some free time.. can't grab a last minute room in DLR using my points either.

Obviously there's a risk but I don't think I liked this banking business. Is there a world where I just don't bank points going forward? Does anyone else not bank either?

 

[Wedgeout]

But you still have the option to borrow for those last minute trips. Those banked points will still be there for that next UY booking.

 

[nerdboyrockstar]

But you still have the option to borrow for those last minute trips. Those banked points will still be there for that next UY booking.

Ah yes. Except my next year's points are currently tied up right now in some hard-to-get bookings. Beach Club, Riviera, Cabins at Fort Wilderness.. if you know, you know.

 

[muppets3d]

I wait until the last day to bank my points just in case I decide to book something, but I always bank what I haven't used by my banking deadline. If I book something last minute (which I've been known to do), I'll just borrow.

 

[Wedgeout]

I wait until the last day to bank my points just in case I decide to book something, but I always bank what I haven't used by my banking deadline. If I book something last minute (which I've been known to do), I'll just borrow.

Be cautious though ‘Rouge 1’. That Shield Gate may not be down if the website or Member Service takes the day off.

 

[PrincessKL]

Ah yes. Except my next year's points are currently tied up right now in some hard-to-get bookings. Beach Club, Riviera, Cabins at Fort Wilderness.. if you know, you know.

Won't you be able to reallocate your banked points for these reservations and then free up the points for next year so that you can borrow them?

 

[Judique]

My banking date is end of May, and I rarely go anywhere near Disney before October which is my use year. I've used points at Hilton Head in summer years ago. If necessary I would borrow.

 

[Sandisw]

One option to consider next year is to do the BOGO OtU, assuming it’s still part of the program, for a fake night and then cancel it.

You’d have them to use last minute this way.

 

[GoingSince1990]

I wait until the last day to bank my points just in case I decide to book something, but I always bank what I haven't used by my banking deadline. If I book something last minute (which I've been known to do), I'll just borrow.

I'm too much of a coward to wait until the last day, being terrified that I might forget, and do it like 2 weeks ahead of the deadline.

 

[AstroBlasters]

ABB= Always Be Borrowing

 

[zavandor]

The goal of the current rules for banking and borrowing is for members to lose points.
I own another timeshare, all my points are in my account and they expire after 6 years. No banking and borrowing, when I book a reservation points stay in the account and when I checkin points are used automatically from older to newer.
There is really no reason why DVC couldn't use a more flexible system than the current one.