Opinions about point strategy for rebooked trips please!

[eeyoresbestfriend]

Ok, I will try not to be too long winded here, but want to be clear about the advice I am seeking! Backstory:

Dec Use year- already banked some of the points- the following refers to the rest of my 2019 points that were to be used for a planned trip-

I had a trip planned for April, which obviously did not happen. I was able to resechedule for a trip in September, as well as a trip in October. I am fairly confidant that these trips will come to fruition, however, some people's thoughts on these boards are a little bit discouraging, so I am thinking of a strategy that may help me not lost many/any points in the event that Disney has not opened by that point. Please tell me what you think of this idea, and any other ideas or aspects that I might be missing-

I am thinking to borrow the necessary points from my 2020 use year, modify my existing reservations to use those borrowed points, and then bank the 2019 points that will have been freed up with the modification- my thinking is, if Disney remains closed, and continues with the current policy, if those reservations were cancelled, My points would then be returned to the original use year. If They change the policy and won't return the points, I am still out the same number of points, but this way I can hedge my bets, and maybe not lose any points? I do also understand that if I borrow, and they cancel and won't return the borrowed points, those points in my 2020 use year will expire by the end of November 2021, but I already have a couple of vacations planned and will not have a problem using those points,provided Disney opens sometime next year.

Does anyone have any thoughts on this? I will probably wait until July to make a final decision, because I have until the 31st to make a decision, and I just wanted some feedback from others who might think of something that I haven't! Thanks for any/all help!

 

[Marionnette]

Ok, I will try not to be too long winded here, but want to be clear about the advice I am seeking! Backstory:

Dec Use year- already banked some of the points- the following refers to the rest of my 2019 points that were to be used for a planned trip-

I had a trip planned for April, which obviously did not happen. I was able to resechedule for a trip in September, as well as a trip in October. I am fairly confidant that these trips will come to fruition, however, some people's thoughts on these boards are a little bit discouraging, so I am thinking of a strategy that may help me not lost many/any points in the event that Disney has not opened by that point. Please tell me what you think of this idea, and any other ideas or aspects that I might be missing-

I am thinking to borrow the necessary points from my 2020 use year, modify my existing reservations to use those borrowed points, and then bank the 2019 points that will have been freed up with the modification- my thinking is, if Disney remains closed, and continues with the current policy, if those reservations were cancelled, My points would then be returned to the original use year. If They change the policy and won't return the points, I am still out the same number of points, but this way I can hedge my bets, and maybe not lose any points? I do also understand that if I borrow, and they cancel and won't return the borrowed points, those points in my 2020 use year will expire by the end of November 2021, but I already have a couple of vacations planned and will not have a problem using those points,provided Disney opens sometime next year.

Does anyone have any thoughts on this? I will probably wait until July to make a final decision, because I have until the 31st to make a decision, and I just wanted some feedback from others who might think of something that I haven't! Thanks for any/all help!

IMO, if Disney remains closed thru Sept or Oct, DVC will rescind or greatly alter the ability to “unborrow” points. I would not count on it.

 

[drusba]

Agree with above, you should not act on the assumption that the modified holding and borrowing rules that exist now will remain in place. DVC could revert back to applying the actual rules for holding and borrowing at any time. Use current use year points and you will have until July 31 to make a final decision as to whether to cancel and bank points if it looks possible that the parks will remain closed in Sep and Oct.

 

[CarolMN]

Agree with Marionette and drusba. Can't count on DVC continuing to waive the borrowing rules.

That said, the only real risk to your strategy is that you will lose the ability to bank the "banked 2019 points" into 2021. IOW, if DVC no longer allows the return of borrowed points, you will have points that expire on 11/30/2020 AND you will have points in your 2020 use year that can't be banked and expire on 11/30/2021 - you lose the opportunity to bank points into your 2021 use year.

 

[Sandisw]

I would do nothing yet because you have until July 31st to bank those points,

That is several months away and we will all have a better idea of what is happening, including any changes to their current policy.

 

[dragonflymom]

What about making a refundable cash reservation for your Fall trip(s) and retain the flexibility of being able to bank your points to next UY and not have to compromise the usable life of next UY's points? I am guessing that Disney may need to come up with discounts and promotions to entice people to travel again and visit their parks in your time frame.