Question about when points are deducted from your account

[DVC BLT]

I have a 210 point contract which has a Sept use year. Since I purchased this year, they gave me points for 2010 so at closing I had 420 points. I scheduled a trip in Dec for 236 points. When I closed on my contract my guide told me to immediately bank my 2011 points since we decided to book a Dec'11 trip.

As soon as I scheduled that trip with Member Services, the balance in my account was 184 (This was in March'11). It still shows the same amount today after the September use year.

So I am confused about when points are deducted from my account. If I decide to book next December 2012 at my 11 month mark (January 2012), for the same 236 points, when do those points get deducted from my account? At the time of booking, in which case I will need to borrow from the next year, or do the points get deducted when you arrive at the resort, which seems like it makes a lot more sense.

I appreciate the help!

 

[Deb & Bill]

I have a 210 point contract which has a Sept use year. Since I purchased this year, they gave me points for 2010 so at closing I had 420 points. I scheduled a trip in Dec for 236 points. When I closed on my contract my guide told me to immediately bank my 2011 points since we decided to book a Dec'11 trip.

As soon as I scheduled that trip with Member Services, the balance in my account was 184 (This was in March'11). It still shows the same amount today after the September use year.

So I am confused about when points are deducted from my account. If I decide to book next December 2012 at my 11 month mark (January 2012), for the same 236 points, when do those points get deducted from my account? At the time of booking, in which case I will need to borrow from the next year, or do the points get deducted when you arrive at the resort, which seems like it makes a lot more sense.

I appreciate the help!

They are deducted from your account when you make the reservation. If you want a reservation during Dec 2012, that falls in your Sept 2012 UY. So you will use whatever points are available in that year, whether they are banked points from 2011, current points from 2012 or borrowed from 2013.

When you said Dec 2011, I think you meant Dec 2012 trip, right?

If you got UY 2010 points when you purchased, you should have 184 points from UY 2011 left. You won't get 2012 points until next Sept.

What you actually did was bank the 2010 points into your 2011 UY (which you just got last month). So you have 184 points left in your 2011 UY. When you book your Dec 2012 trip, you can use the rest of the 184 points, plus your new Sept 2012 points (210) to make 394 points for that trip.

If you bought before Sept 2011, you bought during your Sept 2010 UY. You didn't get extra points, you just got current year poitns (Sept 2010).

 

[DebbieB]

When you are looking at your account online, each use year's total is separate. If you have a september use year, your account should have 4 use years showing:

September 2011 - 184 points (210 + 210 from 2010 = 420 -236 used for reservation)
September 2012 - 210 points
September 2013 - 210 points
September 2014 - 210 points

 

[chalee94]

I have a 210 point contract which has a Sept use year. Since I purchased this year, they gave me points for 2010 so at closing I had 420 points. I scheduled a trip in Dec for 236 points. When I closed on my contract my guide told me to immediately bank my 2011 points since we decided to book a Dec'11 trip.

this is a little confusing. if you banked pts from your sept 2011 UY (now valid for stays from sept 1, 2012 to aug 31, 2013 after being banked), they would be available for your dec 2012 stay but not your dec 2011 stay.

where i underlined 2011, did you mean that you banked your 2010 pts immediately?

So I am confused about when points are deducted from my account. If I decide to book next December 2012 at my 11 month mark (January 2012), for the same 236 points, when do those points get deducted from my account? At the time of booking, in which case I will need to borrow from the next year...

the pts are deducted when used to book a stay - but they are deducted from that specific UY as others have said. it's not based on when you call to book.

so as deb said, to book a dec 2012 stay, you can used banked 2011 pts (you need to call to bank them, it's not automatic) + current 2012 pts (current for a dec 2012 stay - doesn't matter if you call in jan 2012 which is during your 2011 UY) + borrowed 2013 pts (if needed).

also, while the pts are deducted when used to book a stay, if you cancel the stay more than a month in advance, the points will be put back into that UY (banked and borrowed pts cannot be moved again and will expire at the end of that UY - any current year pts can be banked to the next UY if you are not past your banking window).

 

[Dean]

I have a 210 point contract which has a Sept use year. Since I purchased this year, they gave me points for 2010 so at closing I had 420 points. I scheduled a trip in Dec for 236 points. When I closed on my contract my guide told me to immediately bank my 2011 points since we decided to book a Dec'11 trip.

As soon as I scheduled that trip with Member Services, the balance in my account was 184 (This was in March'11). It still shows the same amount today after the September use year.

So I am confused about when points are deducted from my account. If I decide to book next December 2012 at my 11 month mark (January 2012), for the same 236 points, when do those points get deducted from my account? At the time of booking, in which case I will need to borrow from the next year, or do the points get deducted when you arrive at the resort, which seems like it makes a lot more sense.

I appreciate the help!

Two answers. For DVC stays, they are deducted or held at the time of the reservation but you can get them back at any point by canceling. Banked/borrowed points cannot be returned though. For cash type options, RCI and BVTC, once you have a confirmed reservation, they are also deducted at the time of the transaction and are gone forever as DVC points. Points are not held or deducted for wait lists or pending requests with other exchange options.