question about points per year...

[wendy darling]

I may be purchasing DVC next year. I have q uestion about points per year. If I purchase 200 points, and in one year I want to take an Advertures by Disney trip with my points, can I borrow points from the next couple of years, and if so do i pay a penalty or anything?

 

[Caskbill]

You can bank points from one year into the next use year.

You can borrow points from one use year to the prior use year.

With your regular allotment of points for a given year, by banking and borrowing you can have up to 300% of your points within one year.

You cannot bank points into any year other than the very next use year.

You cannot borrow points from any year except the very next use year. In other words, you cannot borrow points from more than one future year into the same use year.

There are no fees for these transactions. There is no penalty. Keep in mind that once points are banked, or borrowed, they cannot be banked again, or borrowed again, and cannot be returned to their original use year. If not used, banked or borrowed points will expire at the end of the use year into which they have been moved.