Should I bank points?

[KristenCH]

Hi everyone. I’m fairly new to DVC. I’m planning on booking a January 2023 trip now using my 2021 points (December use year). Should I bank those points before I book and then “borrow” them? Or just book it? I am planning on waitlisting a different resort once the 7 month window opens.

 

[Sandisw]

Everything is based on date of stay and not when you book.

A January 2023 trip is in your 2022 UY. To use your 2021 points, you have to bank them.

There would be no borrowing involved. That trip can be booked with banked 2021, 2022, and borrow up to 50% of your 2023 points.

 

[KristenCH]

Everything is based on date of stay and not when you book.

A January 2023 trip is in your 2022 UY. To use your 2021 points, you have to bank them.

There would be no borrowing involved. That trip can be booked with banked 2021, 2022, and borrow up to 50% of your 2023 points.

I’m submitting a waitlist now. To clarify, if it comes through, it will automatically pull from my 2022 points and not my 2021 points?

 

[Sandisw]

I’m submitting a waitlist now. To clarify, if it comes through, it will automatically pull from my 2022 points and not my 2021 points?

It will putt 2022 if you have Not banked the 2021 points by the time if fills.

If you get it and then bank points later, you can modify the trip and reallocate the banked points into the reservation which will free those 2022 points back up.