Does anyone not bank their points?

[LAX]

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.

Interesting. How far in advance can you make reservations in that system?

LAX

 

[thanxfornoticin]

We actually find the DVC model to be extremely flexible for our needs. We've never gotten close to losing points, but we are almost never banking and are often borrowing ahead. But the ability to use 3 years worth of points in various situations is awesome. If the one thing I need to remember is I need to bank my points by 'this date' if I have them, I'm good with that. If I remember correctly, I think at one time, the banking requirement might have been 6 months in advance? I might be mistaken, but I seem to remember them many years ago making the improved change to only 4 months in advance. And if I did bank points and then decided to take a short-notice trip? They still allowed me to borrow points - so we've never had an issue with the system.

 

[zackiedawg]

The old system had banking tiers - there was a date by which you could bank 100% of your points (I want to say 8 months out), then it would reduce from there to 50% of your points at something like 4 months out. Apologies if I'm off on the dates or percentages - but I always remembered it was tiered, because there were more than a few times I was worried I missed my banking deadline, only to realize I only had about 10% of my points left to bank, and could still do it.