Multiple Home Resorts - what is the impact of different use years?

[_auroraborealis_]

Can I please get confirmation on that? I understand that they retain the use year and will expire at the end of the use year, but several websites and the rules seem to suggest that the 8 month banking window does not apply to transferred points.

Those websites are suggesting incorrectly. Points always retain all qualities of UY and home resort and deadlines.

The last two years have had some pixie dust around expirations but it is exception based not something that will be happening for 25-50 years of ownership, and if you buy with the assumption transfer gives you leeway on banking you will regret it.

 

[Twohsieh]

We travel in the summer months only. We have two use years (April and June UY) at two different resorts. This works for us because we have enough points at each resort to book our stays without combining points. I would definitely buy the same use year if you need to combine points.

You could always bank and borrow your resort’s annual points to get three years worth of points to use at the 11 month mark.

 

[Jlo85]

Those websites are suggesting incorrectly. Points always retain all qualities of UY and home resort and deadlines.

The last two years have had some pixie dust around expirations but it is exception based not something that will be happening for 25-50 years of ownership, and if you buy with the assumption transfer gives you leeway on banking you will regret it.

Thank you, it does seem like a perk that Disney would try to stop. My assumption is that they’re just so bad at managing transfers systems-wise that they don’t monitor the banking. That makes sense, thanks everyone!

 

[Jlo85]

Is a 100pt contract big enough for your travel time and duration? A week in many of the studios will require more than 100 points. With 100pt contracts at 2 home resorts, you can only use those 100 pts (plus any banking/borrowing) in the 11 month home resort priority window. If you alternate contracts and bank in alternating years, you would have 200pts plus any borrowing, but those points wouldn‘t be available the next UY. So, multiple home resorts could work depending on point charts, but would require more planning.

Thanks! We were planning on doing split stays of 4 nights in one / 3 nights in another. When I was averaging it out, it seemed like 200 would work for a yearly trip.

 

[Jimmy Geppetto]

You can transfer between memberships. You can only do it once, it's permanent, and it's Disney IT, so it's a mess. And, you need to do this I guess before the 7 month window opens and hope you get it? This stuff goes fast, as I'm sure you know. There's not time to monkey around on the phone.

Two UYs are like two people. They can't see each other or share points without transfer.

One UY and two resorts is the same person (member number)

If you are the owner for both UYs you can transfer as many times as you’d like between the memberships.

 

[GrumpyInPhilly]

Is a 100pt contract big enough for your travel time and duration? A week in many of the studios will require more than 100 points. With 100pt contracts at 2 home resorts, you can only use those 100 pts (plus any banking/borrowing) in the 11 month home resort priority window. If you alternate contracts and bank in alternating years, you would have 200pts plus any borrowing, but those points wouldn‘t be available the next UY. So, multiple home resorts could work depending on point charts, but would require more planning.

February points have to be banked by 8/31 and March by 9/30. So if you typically travel in November, you would be traveling past the banking window for those UYs. Therfore, a September or October UY would be better for November travel. If traveling once per year or every other year, it would be much easier with 1 UY.

i have 3 memberships-2UY-5 home resorts, but we travel in spring and fall/winter, avoiding the summer heat. We do split stays and book at 11 month and then see what is available at 7 month. I will borrow at the 11mo window from one contract to get the days/room I want even if there are current UY points available on another contract, all keeping in mind the banking deadlines if we have to cancel.

I have a Feb. UY and my banking deadline is 9/30.

 

[RoseGold]

If you are the owner for both UYs you can transfer as many times as you’d like between the memberships.

Maybe... That wasn't always the policy, and Disney can change these rules at will, like the banking rules.

 

[Lorana]

I have two UYs (Sep & Oct), but my second UY (Oct) is my VGC points, so for the most part, I never consider it part of my other membership. It's for VGC trips. All my other contracts - and I have 32 others, as I have lots of small contracts - are in a single UY (Sep), which just makes it easier to combine and use points at 7 months when I want to. Admittedly lately I've been doing a lot of big family trips, so being able to combine into 2BRs and 3BRs has been important! I do a LOT of combining at 7 months for those aspirational trips, and it would be a pain to have to transfer between memberships. There's also the fact that you can't transfer banked or borrowed points, either.

I do admittedly keep debating buying a Feb/Mar UY so that I have less stress when I DO take vacations May-Aug (after my banking window)... but then I keep thinking of the hassle of having points outside of my main UY might be. Also, I don't honestly expect to travel very often to Disney June-Aug now that my kids are grown. But our anniversary is in August, and our godson just turned 2, so then I think maybe a third UY might be worth it...

 

[kandlsutton]

I have a Feb. UY and my banking deadline is 9/30.

Thanks for the correction - I googled it and misread the deadlines. Knew it seemed off, but didn‘t verify. I have AUG and DEC UY. Will edit post…

 

[crisi]

Thank you, it does seem like a perk that Disney would try to stop. My assumption is that they’re just so bad at managing transfers systems-wise that they don’t monitor the banking. That makes sense, thanks everyone!

Years ago (like FIFTEEN years ago) they didn't. Then they did a system upgrade and now they are very good at managing transfers system wide - it was never a perk, it was a hole in the system that has been gone for over a decade.

 

[Tom Hafner]

Is a 100pt contract big enough for your travel time and duration? A week in many of the studios will require more than 100 points. With 100pt contracts at 2 home resorts, you can only use those 100 pts (plus any banking/borrowing) in the 11 month home resort priority window. If you alternate contracts and bank in alternating years, you would have 200pts plus any borrowing, but those points wouldn‘t be available the next UY. So, multiple home resorts could work depending on point charts, but would require more planning.

February points have to be banked by 9/30 and March by 10/31. So if you typically travel in November, you would be traveling past the banking window for those UYs. Therfore, a September or October UY would be better for November travel. If traveling once per year or every other year, it would be much easier with 1 UY.

i have 3 memberships-2UY-5 home resorts, but we travel in spring and fall/winter, avoiding the summer heat. We do split stays and book at 11 month and then see what is available at 7 month. I will borrow at the 11mo window from one contract to get the days/room I want even if there are current UY points available on another contract, all keeping in mind the banking deadlines if we have to cancel.

ETA: corrected banking dates.

When is the latest you can cancel a booking without penalty and allows you to bank those points? For instance a March UY. Currently in ROFR waiting, trying to learn from the experts. Thanks!

 

[Sandisw]

When is the latest you can cancel a booking without penalty and allows you to bank those points? For instance a March UY. Currently in ROFR waiting, trying to learn from the experts. Thanks!

To avoid holding status on points, you must cancel at least 31 days or more.

If you are still in your banking window..Oct 31st for a March UY…you can bank any of the current UY points.

Borrowed points can’t go back, no matter what. If you cancel or modify to less points, less than 31 days from check in, your points go into holding.

That means all of them expire at the end of the UY, and can only be used to book trips 60 days or less from check in.