If they brought back 100% borrowing, what would you do differently?

[Stargazer65]

Like some others have mentioned similarly...I'd try to wring out every last point for a trip in each of my 3 contracts one contract at a time. Stagger them about a year apart give or take 6 months or so, I rarely go the same time of the year. Then start all over.

 

[Skywalker3]

Not much right now. For awhile, we're going to have extra banked points for a couple years, so at some point, may need to splurge on larger rooms, or resorts w higher point costs, but for now, we dont' need to borrow.

 

[jade1]

Since these are Disney owned points, they could have used them for their own bookings to sell as cash. So in reality it’s a net neutral decision. Owners are just getting the benefit of what amounts to a free transfer of points from DVC/DVD.

Ah gotcha I hadn't followed that. Good news.

 

[Grumpy by Birth]

My biggest concern with the 50% borrowing restriction was whether we would be able to "afford" a GV, cabin, etc, once in a while. I had originally calculated that we would need more than 50% to make the math work for getting a larger room every few years. But we came up with plan B.

Instead of going to Disney this spring, we're renting a cabin near Gatlinburg, TN. I also shaved one night off of our fall (50th anniversary) trip, which will give us enough points with 50% borrowing to get a Savanna View GV at AKL in 2023.

 

[christie0562]

I can’t wait until I can borrow more points . Looking to book now but can’t until next March