Multiple memberships transferring help please.

[Disney Spaz]

Okay we are in a very convoluted situation and I need advice. When we started buying DVC in 2013 we put it all in DH's name and financed. As we have paid off the contracts we have moved them into joint ownership between our DD, DH and myself. The joint membership is all at VGF and that has worked fine we just transfer the few remaining VGF points in his individual account every year to the joint account before booking and then use the PVB or CCV in the individual member to book alternating years though his membership. This has worked well especially since they were different resorts. Fast forward we have Thanksgiving 2026 booked at CCV with our banked 2025 points, our 2026 points and borrowed 21, 2027 points. Well we decided we want to do a small add on at CCV and we want it to be in the the joint membership instead of DH's individual membership, however I have three different years worth of points ties up in a reservation that I now need to move to the other membership. So here are my questions:

1. If I call member services can I cancel the current reservation and transfer all the points from DH's individual membership to the joint membership or am I blocked on transferring the banked and borrowed points?
2. If I can transfer them all do I need to also transfer the VGF points at the same time for 2027 since I am transferring borrowed 2027 points from the CCV contract and you only get 1 transfer in or out per year?
3. Since this all seems beyond confusing to me would it make my life easier if I just transferred all the points each year from the individual membership to the joint membership?
4. FInally if I do transfer all the points each year would I be able to bank and borrow those transferred points or does transferring stop the ability to bank and borrow?

Sorry to ask all these questions I am just struggling to wrap my head around it and I know a few of you have multiple memberships and even UY's. After trying to figure this out I have to say I bow to those of you that can keep it all straight. I am not a math or computer brained person and all the spreadsheets and google sheets cannot seem to help me make it make sense.

 

[achinforsomebacon]

Well we decided we want to do a small add on at CCV and we want it to be in the the joint membership instead of DH's individual membership, however I have three different years worth of points ties up in a reservation that I now need to move to the other membership.

Before getting into all of your questions, why do you need to move the points from the existing reservation to the other membership? Can't you just leave that alone? Seems like trying to cancel and transfer those points is overcomplicating things.

 

[Disney Spaz]

Good question. We currently have a 1bdrm booked but with the add on we want to waitlist for a 2bdrm as it is not currently available. I cannot waitlist with the points in two different memberships unless I do it day by day and my family is not about split stays so if we didn't get the 2bdrm we would stick with the 1bdrm.

 

[Willow Ufgood]

Okay we are in a very convoluted situation and I need advice. When we started buying DVC in 2013 we put it all in DH's name and financed. As we have paid off the contracts we have moved them into joint ownership between our DD, DH and myself. The joint membership is all at VGF and that has worked fine we just transfer the few remaining VGF points in his individual account every year to the joint account before booking and then use the PVB or CCV in the individual member to book alternating years though his membership. This has worked well especially since they were different resorts. Fast forward we have Thanksgiving 2026 booked at CCV with our banked 2025 points, our 2026 points and borrowed 21, 2027 points. Well we decided we want to do a small add on at CCV and we want it to be in the the joint membership instead of DH's individual membership, however I have three different years worth of points ties up in a reservation that I now need to move to the other membership. So here are my questions:

1. If I call member services can I cancel the current reservation and transfer all the points from DH's individual membership to the joint membership or am I blocked on transferring the banked and borrowed points?
2. If I can transfer them all do I need to also transfer the VGF points at the same time for 2027 since I am transferring borrowed 2027 points from the CCV contract and you only get 1 transfer in or out per year?
3. Since this all seems beyond confusing to me would it make my life easier if I just transferred all the points each year from the individual membership to the joint membership?
4. FInally if I do transfer all the points each year would I be able to bank and borrow those transferred points or does transferring stop the ability to bank and borrow?

Sorry to ask all these questions I am just struggling to wrap my head around it and I know a few of you have multiple memberships and even UY's. After trying to figure this out I have to say I bow to those of you that can keep it all straight. I am not a math or computer brained person and all the spreadsheets and google sheets cannot seem to help me make it make sense.

You're right. This is very convoluted. Let me try to unpack this.

Your family has two distinct memberships. One membership, which is at VGF, is jointly held. The other membership, which is at PVB and CCV is held only by DH.

A reservation for Thanksgiving 2026 has been made at CCV using banked, borrowed, and current points from DH's membership. Since it is outside of the 7-month window, all of those points must be CCV points. You did not use the PVB points that he owns to book this reservation because they can only be used at PVB for a reservation at falls within the 11 to 7 month window.

What you want to do is use the points in the joint membership, which are all at VGF, to modify/waitlist the current CCV reservation from a 1BR to a 2BR. Unfortunately, that can't work until you are inside the 7-month non-home resort reservation window. You could transfer those points now, but they still would not be useful for what you want to do until late April and only if availability opens up for the 2BR after the 7-month window occurs.

Does your DH's CCV contract have enough unused 2027 points that can be borrowed to waitlist the current CCV reservation to a 2BR? You could set up a waitlist now for a 2BR your nights and authorize borrowing those points if it comes thru.

But what you cannot do is use non-home resort points to alter an existing reservation which was made during the 11-month window and you cannot waitlist now for non-home resort nights that occur in late November.

ETA: Keep in mind that transfers cannot be reversed. You get one transfer in OR out per membership per UY. Transferred points get locked into the membership they are sent to but retain their home resort and UY. So, as an example, if you were to transfer April VGF points into an August membership, those VGF points would remain as VGF points and would have the same April UY rules applied to them with regard to banking deadlines and expiration dates.

ETA2: If you want to transfer the CCV points to the joint membership, you would have to cancel the existing reservation. You run the risk of losing your nights in the process if all 1BR villas are booked for those nights and other members have them waitlisted. But doing this would not make sense. It would make more sense to transfer the VGF points to the membership with the CCV points and then create a waitlist for the 2BR when the opportunity arises.

 

[Disney Spaz]

You're right. This is very convoluted. Let me try to unpack this.

Your family has two distinct memberships. One membership, which is at VGF, is jointly held. The other membership, which is at PVB and CCV is held only by DH.

A reservation for Thanksgiving 2026 has been made at CCV using banked, borrowed, and current points from DH's membership. Since it is outside of the 7-month window, all of those points must be CCV points. You did not use the PVB points that he owns to book this reservation because they can only be used at PVB for a reservation at falls within the 11 to 7 month window.

What you want to do is use the points in the joint membership, which are all at VGF, to modify/waitlist the current CCV reservation from a 1BR to a 2BR. Unfortunately, that can't work until you are inside the 7-month non-home resort reservation window. You could transfer those points now, but they still would not be useful for what you want to do until late April and only if availability opens up for the 2BR after the 7-month window occurs.

Does your DH's CCV contract have enough unused 2027 points that can be borrowed to waitlist the current CCV reservation to a 2BR? You could set up a waitlist now for a 2BR your nights and authorize borrowing those points if it comes thru.

But what you cannot do is use non-home resort points to alter an existing reservation which was made during the 11-month window and you cannot waitlist now for non-home resort nights that occur in late November.

ETA: Keep in mind that transfers cannot be reversed. You get one transfer in OR out per membership per UY. Transferred points get locked into the membership they are sent to but retain their home resort and UY. So, as an example, if you were to transfer April VGF points into an August membership, those VGF points would remain as VGF points and would have the same April UY rules applied to them with regard to banking deadlines and expiration dates.

ETA2: If you want to transfer the CCV points to the joint membership, you would have to cancel the existing reservation. You run the risk of losing your nights in the process if all 1BR villas are booked for those nights and other members have them waitlisted. But doing this would not make sense. It would make more sense to transfer the VGF points to the membership with the CCV points and then create a waitlist for the 2BR when the opportunity arises.

Sorry if I wasn't clearer we are adding a 50pt CCV contract to the joint membership. What I want to do is combine the CCV points in the individual membership with the CCV add on in the joint membership. We have a Sept UY so with the add on I would bank the 2025 pts into 2026 and use the 2025 banked points along with the 2026 points to waitlist the 2bdrm. I cannot do that if the points are not all in the same membership. If I transfer the new points into the individual membership I will have used up my one transfer a year and we still have a small amount of VGF points on the individual membership that we use each summer for our long VGF trip.

I am also trying to figure out if moving forward it would just be easier to transfer all my points each year from the individual membership to the joint membership since right now I am the only one who books anything. I don't think that my husband would have any clue how to book if I wasn't here. When I try to show him how he just tells me if I wasn't here our DS, also a DVC Member, or our now adult DD would handle it.

I can look at it and realize that we are creating our own problem by putting the add on in our joint account but as DH and I are getting older we want them all in our DD's name too so she can access them when we cannot. And with in the next two-three years we should be able to transition all of the points contracts into the joint account and get rid of DH's individual account so putting them in the individual account to only pay in a few years to retitle them seems ridiculous just to avoid finding a solution to this problem.

 

[Willow Ufgood]

Sorry if I wasn't clearer we are adding a 50pt CCV contract to the joint membership. What I want to do is combine the CCV points in the individual membership with the CCV add on in the joint membership. We have a Sept UY so with the add on I would bank the 2025 pts into 2026 and use the 2025 banked points along with the 2026 points to waitlist the 2bdrm. I cannot do that if the points are not all in the same membership. If I transfer the new points into the individual membership I will have used up my one transfer a year and we still have a small amount of VGF points on the individual membership that we use each summer for our long VGF trip.

I am also trying to figure out if moving forward it would just be easier to transfer all my points each year from the individual membership to the joint membership since right now I am the only one who books anything. I don't think that my husband would have any clue how to book if I wasn't here. When I try to show him how he just tells me if I wasn't here our DS, also a DVC Member, or our now adult DD would handle it.

I can look at it and realize that we are creating our own problem by putting the add on in our joint account but as DH and I are getting older we want them all in our DD's name too so she can access them when we cannot. And with in the next two-three years we should be able to transition all of the points contracts into the joint account and get rid of DH's individual account so putting them in the individual account to only pay in a few years to retitle them seems ridiculous just to avoid finding a solution to this problem.

Okay. If I understand correctly, you have VGF points in your DH's account from a previous transfer? But the bulk of the VGF contract is in the joint membership? And you want to use the VGF points for a summer reservation in 2027?

If all of that is true, then I forsee a potential problem transferring any more points between the two memberships, depending on the UY that the transfer occurred. Or does your DH have a VGF contract in the individual account? It's very confusing.

Moving forward and assuming that you can still transfer points for your 2026 UYs, you can bank and then borrow the CCV points that are in the joint account into your Sept 2026 UY. You can do this by making a bogus reservation that requires you to borrow those 50 points. Then you cancel the reservation. You now have banked, current and borrowed points in that UY.

Since you need to use a small number of VGF points that are in the DH's individual account for the summer reservation, it's probably best to transfer the points you need from the joint membership into the individual membership. But transfer all the CCV points (banked, borrowed and current) at the same time. That would be your one transfer OUT of the joint membership and your one transfer IN to the individual membership. You could then set up the CCV wait list.

Getting all of the contracts titled the same way is a good idea. In the interim, your DH could place you or your DD or DS on his membership as an associate member. You would be able to make reservations, bank and borrow points but would not be able to transfer points between accounts. But at least your DH would have an experienced back up in the event you would not be able to handle the stuff you normally deal with if you place your DD or DS on it. Adding an associate is pretty easy and costs nothing. They don't own the contracts and there's no title change. The membership number remains the same.

 

[Disney Spaz]

Okay. If I understand correctly, you have VGF points in your DH's account from a previous transfer? But the bulk of the VGF contract is in the joint membership? And you want to use the VGF points for a summer reservation in 2027?

If all of that is true, then I forsee a potential problem transferring any more points between the two memberships, depending on the UY that the transfer occurred. Or does your DH have a VGF contract in the individual account? It's very confusing.

Moving forward and assuming that you can still transfer points for your 2026 UYs, you can bank and then borrow the CCV points that are in the joint account into your Sept 2026 UY. You can do this by making a bogus reservation that requires you to borrow those 50 points. Then you cancel the reservation. You now have banked, current and borrowed points in that UY.

Since you need to use a small number of VGF points that are in the DH's individual account for the summer reservation, it's probably best to transfer the points you need from the joint membership into the individual membership. But transfer all the CCV points (banked, borrowed and current) at the same time. That would be your one transfer OUT of the joint membership and your one transfer IN to the individual membership. You could then set up the CCV wait list.

Getting all of the contracts titled the same way is a good idea. In the interim, your DH could place you or your DD or DS on his membership as an associate member. You would be able to make reservations, bank and borrow points but would not be able to transfer points between accounts. But at least your DH would have an experienced back up in the event you would not be able to handle the stuff you normally deal with if you place your DD or DS on it. Adding an associate is pretty easy and costs nothing. They don't own the contracts and there's no title change. The membership number remains the same.

Thanks and yes it is crazy convaluted.

We did maintaining the same Sept UY for all contracts and both memberships. To hopefully make it easier this is how to points are broken down; DH Individual membership 125 VGF, 100 PVB & 75 CCV and in the Joint membership 300 VGF points and about to add 50 CCV.

Every year DH's will transfer the 125 VGF into the joint membership and I book our summer trip. He have already used the transfer for 2025 for this summers trip but has not done the transfer for 2026 yet. Both DD and I are associates on his Individual membership so we handle everything else. The current 75 CCV contract will be paid off in 2027 so this is truly just an issue for this year.

I think this has really helped thank you very much. I do have one last questions. Can you transfer banked and borrowed points? I thought you couldn't do that but if you can that may solve all my problems?

 

[Willow Ufgood]

I think this has really helped thank you very much. I do have one last questions. Can you transfer banked and borrowed points? I thought you couldn't do that but if you can that may solve all my problems?

Yes, you can transfer banked and borrowed points. However, they cannot be banked into the next UY like current UY points which have been transferred.

 

[sndral]

Thanks and yes it is crazy convaluted.

We did maintaining the same Sept UY for all contracts and both memberships. To hopefully make it easier this is how to points are broken down; DH Individual membership 125 VGF, 100 PVB & 75 CCV and in the Joint membership 300 VGF points and about to add 50 CCV.

Every year DH's will transfer the 125 VGF into the joint membership and I book our summer trip. He have already used the transfer for 2025 for this summers trip but has not done the transfer for 2026 yet. Both DD and I are associates on his Individual membership so we handle everything else. The current 75 CCV contract will be paid off in 2027 so this is truly just an issue for this year.

I think this has really helped thank you very much. I do have one last questions. Can you transfer banked and borrowed points? I thought you couldn't do that but if you can that may solve all my problems?

Your recollection is correct that in the past there were limitations on transferring banked & borrowed points. When DVC started enforcing the one transfer in/out & stopped making exceptions for folks w/ multiple memberships they changed the rules about transferring banked/borrowed points.
I’m not entirely following what you are trying to do, however, I’m pretty sure you’ll not be able to ‘move’ the 1 br. CCV booking you’ve made in hubby’s personal membership to the joint membership w/out a cancel/rebook & I’m pretty sure that if you try to cancel/rebook that reservation to move it you’ll lose it - it’s a risk I’d not take . Plus, let’s face it a several day CCV over Thanksgiving waitlist will be a long shot.
The fact that you intend to buy 50 direct points may benefit you, however, I’d tell my guide that I wanted to buy those points, but there was no reason to do so before that November trip unless MS could help you either get a 2 br. at CCV to replace your 1 br. there as your welcome home stay or at least get the 1 br. booking you currently have transferred from one membership to the other so you can set up a 2 br. wait list to use those new points if it fills - you never know & DVC might be willing to work some magic in order to sell you direct points.
While you are sorting all of that out as part of your direct buy, maybe they’ll make an exception on the 1 transfer in/out rule for you & transfer those VGF points for you too. If not, when the time comes to book that vacation - just book a couple of nights at VGF w/ one membership & the remaining nights w/ the other & have MS note that it’s a ‘continuing stay’ so you don’t have to move villas.

 

[Disney Spaz]

Your recollection is correct that in the past there were limitations on transferring banked & borrowed points. When DVC started enforcing the one transfer in/out & stopped making exceptions for folks w/ multiple memberships they changed the rules about transferring banked/borrowed points.
I’m not entirely following what you are trying to do, however, I’m pretty sure you’ll not be able to ‘move’ the 1 br. CCV booking you’ve made in hubby’s personal membership to the joint membership w/out a cancel/rebook & I’m pretty sure that if you try to cancel/rebook that reservation to move it you’ll lose it - it’s a risk I’d not take . Plus, let’s face it a several day CCV over Thanksgiving waitlist will be a long shot.
The fact that you intend to buy 50 direct points may benefit you, however, I’d tell my guide that I wanted to buy those points, but there was no reason to do so before that November trip unless MS could help you either get a 2 br. at CCV to replace your 1 br. there as your welcome home stay or at least get the 1 br. booking you currently have transferred from one membership to the other so you can set up a 2 br. wait list to use those new points if it fills - you never know & DVC might be willing to work some magic in order to sell you direct points.
While you are sorting all of that out as part of your direct buy, maybe they’ll make an exception on the 1 transfer in/out rule for you & transfer those VGF points for you too. If not, when the time comes to book that vacation - just book a couple of nights at VGF w/ one membership & the remaining nights w/ the other & have MS note that it’s a ‘continuing stay’ so you don’t have to move villas.

Thank you.

I slowed my brain down and wrote everything out to review twelve times over before I did it. This is what I did and everything has now worked out.

First, I checked and a 1bdrm at CCV was still available, even with our 1bdrm booked on the individual membership. Then, I chatted online and receive written confirmation that transfered points can now be banked and borrowed as well as verifying all the points in my husbands individual membership were where we needed them to be for our 2026 UY trip plans. Next, DH and I called MS and shared my plan, cancel the current CCV reservation, transfer all of our 2026 points, VGF, CCV and PIT into the joint membership then re-book the CCV 1bdrm. The CM was wonderful and must have verified with me several times to make sure I knew I could loose the reservation but we moved forward anyway. I felt comfortable since I had just seen the 1bdrm available seconds before the CM made the move.

We were able to get the reservation. Now when we add on next weekend we can put in a wait-list for a 2bdrm or see if MS will be able to get us a welcome home stay at CCV.

Thank you again sndral, Willow Ufgood, and achinforsomebacon, it has helped immensely to have your feedback and help me wrap my brain around this. I am definitely excited for the day we have only one membership.

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