Sorry - Another Banking and Borrowing Question

[J-Dog]

Sorry, another rookie-DVC question here.

This is not an active situation, but more is a hypothetical (and maybe an actual situation down the road). It's mostly concerning RIV resale restrictions.

The basic question - if I have multiple contracts, can I bank some points from a certain Use Year, and borrow points INTO that same UY from different contracts (all the same UY)?

There's the hypothetical: We have 3 different RIV contracts - 1 150-point direct and 2 50-point-each resale contracts. If I wanted to book a non-home resort that cost 200 points (for example) at 7-months for 2024, then I wouldn't be able to use my 2 RIV resale contracts, so I would need to borrow 50 points from our 2025 direct contract to cover the needed points.

So could I then bank the 100 resale points from 2024 to 2025 to use at RIV the next year?

That would essentially end-up with 150 2024 points and 50 borrowed 2025 points (200 total) at a non-home resort for 2024, and then 100 2024 banked points and 100 2025 UY points (200 total) for RIV in 2025. Correct? Is that do-able?

Thanks. Sorry if that's a dumb question.

 

[RoseGold]

Yes, you can choose which contracts to allocate points. If you call, you can get even more complicated, like only use borrowed from Contract 1 and banked from Contract 2. I did this when I bought a contract with banked points. I used only the banked and then banked the current through.

You can make reservations without touching Contract 3, and use its points for other things next year.

 

[J-Dog]

Yes, you can choose which contracts to allocate points. If you call, you can get even more complicated, like only use borrowed from Contract 1 and banked from Contract 2. I did this when I bought a contract with banked points. I used only the banked and then banked the current through.

You can make reservations without touching Contract 3, and use its points for other things next year.

Okay, good. Thanks very much. That will actually workout well if I can maneuver between the restricted points and the non-restricted points.