First Trip Strategy w/ Borrowing & Banking (Oct UY)

[Emilv]

Hi everyone! We just closed on 150 direct points at Polynesian with an October Use Year, with the intention of traveling every other year. As part of Magical Beginnings, we sold back our 2025 points.

We’re excited to plan our first trip, but want to make sure we’re thinking about banking and borrowing correctly. For our first trip in December 2026, am I correct that we’ll need to use all of our 2026 Use Year points, since any 2026 points can’t be banked far enough to be used for a December 2028 trip (no 2027 trip, off year )? That part seems straightforward based on the point charts, but I’d love to confirm we’re understanding it correctly.

Thanks in advance, we’re thrilled to finally be DVC owners!

 

[Sandisw]

Welcome home!!! Everything is based on when the trip happens.

Figure that out first and then it makes understanding what points you can use is easier.

A Dec 2026 trip is in your Oct 2026 UY…when you go to book it…which you can now and I would ask DVC to help you use your Welcome Home stay to get it…you can used banked 2025 points (if you had them), 2026 points, and borrow 2027 points to finish the reservation.

 

[Genie+]

Yes, for a December 2028 trip your Oct 2026 points won’t work because even if banked they’d expire Sept 30, 2028.