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

[808blessing]

I might buy an annual pass for the first time! What about you??

 

[WilsonFlyer]

Honestly, if I ever put myself in a situation where I find myself consistently borrowing points, I'd spend the money buying more points. Borrowing points just creates stress for me on next year's trips. I have always tried to have enough points where I don't have to stress over the number of trips, only the room types.

I'm sure your post was meant tongue in cheek based on what you said, but some newer members need to hear the above IMO.

 

[WilsonFlyer]

BTW, if you don't have enough points to the point where you have to have an AP, you ain't doin' it right and you don't have enough points yet.

 

[Sandisw]

With 800 points, and the closure, I am currently in banking mode so it’s not impacting me at all.

Next year, I’ll be doing another 50..I think…at VGF so with that, it will carry me another few years before I have to borrow again!

 

[Marionnette]

I might buy an annual pass for the first time! What about you??

I'm in a similar situation to @Sandisw. I have banked points that I'm burning in December and will probably be banking points forward into the next UY as a result. If borrowing returns by then, maybe I'll splurge on a RIV GV. It's on my DVC bucket list but I needed to be at VGF this year for a conference.

 

[808blessing]

Yeah! I definitely don’t need more points but I would want to buy an annual pass once in my life, just cause! As a new owner in the time of Covid, I used my points in a way that had to adapt to a recent cancellation. Ah well, I was actually hoping to encourage management to open up the borrowing to 100 percent flexibility. I do NOT need or want more points! Just the ability to max out in an annual pass year. But I’ll wait! No need for an annual pass either for me.

 

[DougEMG]

While I have borrowed some points this last 18 months because of wanting to make a home resort booking in the 11 month window, I have way more points that I am banking because of all the international travel restrictions. So really putting the borrowing bank to 100% would not effect me.

 

[Imkarlawithak2005]

We had luckily borrowed all our 2020 points in 2019 so a friend could join us on vacation. We would always borrow a few points here or there because we use 2 bedrooms. If 50% borrowing continues, I won’t be inviting people to come with us. If 100% comes back, I might extend more invitations.

 

[AdamsMum]

Not much. I rarely borrow more than a few points. If I can't make my next trip, I'll be losing some banked points. I live far away so it's one trip a year for me in normal times.

 

[LSchrow]

If 100% borrowing was back, we wouldn't have to use all our Memberships for a single trip, which affects making dining reservations. We also wouldn't need to be concerned about UY as the points used would be for the preferable period (e.g., we are using April, August, & Dec UYs for our Nov, March, & May trips - NOT the way i planned our points).
Admittedly, we are always in borrowing mode, but that's our own fault - the more points we own, the more creative we get using them (higher point rooms, longer stays, brining others).

 

[jade1]

Yea I've never understood why they did this. Aren't/haven't way more members banking points during the pandemic? How are all of those points going to be used one day?

 

[smjj]

I would not do anything differently, I would just be able to once again be able to book a grand villa for our whole family! As it is now with the 50% rule the best we can do is get a two bedroom and that is just not big enough for us. Then there is the problem with borrowing just what you can and if a resale having to call in to DVC and have them take care of this "clitch" they have been saying they are working on for over a year now! I do not think they really have any intentions of fixing it...ºoº

 

[Sandisw]

Yea I've never understood why they did this. Aren't/haven't way more members banking points during the pandemic? How are all of those points going to be used one day?

I think they could have decided to limit banking as well. But, they must have decided that limiting borrowing to 50% was enough of a change to make it balance out in the next few years?

 

[Marionnette]

I think they could have decided to limit banking as well. But, they must have decided that limiting borrowing to 50% was enough of a change to make it balance out in the next few years?

If they had limited banking, I think they would have had extreme backlash from a large number of members who could not travel early in the pandemic. Losing banked points was a bitter pill for people who were affected. People would have gone nuts if DVC told them "Too bad that you cannot travel. You're going to lose half of this year's points plus any of your banked points unless you trade into RCI...Oh, and by the way, don't forget to pay your dues on time!"

 

[robinb]

I almost always bank forward so it wouldn’t make a difference to me.

 

[CarolMN]

Nothing. We occasionally bank a few and occasionally borrow a few. Haven't ever banked 100% or borrowed 100%.

 

[Sandisw]

If they had limited banking, I think they would have had extreme backlash from a large number of members who could not travel early in the pandemic. Losing banked points was a bitter pill for people who were affected. People would have gone nuts if DVC told them "Too bad that you cannot travel. You're going to lose half of this year's points plus any of your banked points unless you trade into RCI...Oh, and by the way, don't forget to pay your dues on time!"

I think the points you bring up are probably why they did not do it. It made sense to move points forward and not backward.

I was simply points out that both would have been within the rules, complaints aside.

 

[princessfionasmom]

Go more and be totally out of points to borrow. I’m always in borrowing mode so this is actually helping me save some points. We only have 200 which clearly is not even close to being enough. I plan on adding on 100 pts within then next year and praying it will resolve my problem lol.

 

[bwvBound]

I almost always bank forward so it wouldn’t make a difference to me.

Same here. We had to get a bit creative to use our 2019/2020 points ... but we are safely caught up.

 

[DonMacGregor]

Absolutely nothing. I want to always be banking forward, so I always have a few points in my back pocket to gift to a friend or family member, or to use on an extra, unplanned trip. Being in So Cal, 3 or 4 days at Aulani would be an example. If or as (more likely) my point needs increase, I'll purchase more points first, then maybe OTU points as a backup, so I'm not using borrowed points and always playing catchup.