The 50% Restriction

[NoTime42]

I would agree that is both very frustrating and detrimental to the system.
We all know there are way too many banked points in the system, but too many members with those banked points can’t use them due to travel or health restrictions, so there seem to be many more available DVC rooms than normal. Allowing members to use up those points now would help future availability.

 

[Sandisw]

I'm just frustrated because for weeks Disney is being inflexible. I would understand if they told me ok we will let you borrow the 25 but no cancelling, banking etc. you don't use them for THIS ressie you lose them

I can understand your frustration and I too wish they would have something where last minute bookings could access more with a use it or lose it since it would help with all the availability now.

But, being the system as it is, it really can’t be a policy...at least in my opinion...that is done case by case...and has to be consistent for all owners.

 

[Chuck S]

I agree, the problem is consistency. It isn't like simply not putting points into holding, allowing use of borrowed points, even last minute, can be a problem...maybe even something Florida timeshare law covers regarding availability compared to points allowed in the system. I'm happy, and surprised, they've been able to do as much as they have done...and my heart really goes out to those owners in Aulani and California, that is really going to be a mess even after they fully re-open. According to our documents, when a resort goes down long term, say for hurricane/natural disaster repairs and such, those owners can be temporarily suspended from the DVC system, since their resorts aren't open for other members to reciprocally trade into, because it can throw the point system all out of whack. I'm sure DVC legal has really been hoping to be able to open those resorts so they don't find themselves in that position.

 

[bakerworld]

I am assuming as long as I don't borrow any points from my next UY and keep using points from this year that I won't be bothered by this 50 point thing. Is that true? I moved an October trip into September so I can, when able, book a reservation at 7 months using points from 4 different contracts (all the points will be from the same UY) so I should be ok - right?

 

[Sandisw]

I am assuming as long as I don't borrow any points from my next UY and keep using points from this year that I won't be bothered by this 50 point thing. Is that true? I moved an October trip into September so I can, when able, book a reservation at 7 months using points from 4 different contracts (all the points will be from the same UY) so I should be ok - right?

The restriction has to do with borrowing more than 50% from the UY after your trip. It is per contract,

If the booking requires no borrowed points, then it does not matter,

 

[Claudia1]

I had to do one night on cash to complete our Christmas trip and the room I needed was available for points. However, I didn't have enough to borrow with the cap. FYI, that room is still available on the DVC site for 12/24. I really like the idea of short-term, non-refundable borrowed points. It's not like I would have taken a room away from another DVCer because that room is still available! It would have helped us both. I could have cancelled my cash night, used my own points, and relieved a very tiny bit of pressure on them buy using the points now when the room is available and not trying to use them when they are packed.

 

[johnsbelt]

I'm guessing that depends up how many points you have that you may lose if you don't go to Disney. I'm not inclined to lose my 345 banked June 2020 points just to tell Disney I don't like their 50% borrowing restriction, or lack of AP. I have an 11 person trip planned for Thanksgiving 2021, with part of the group in a GV, and the other part in a 2 bedroom.

It will be a great trip for those in the GV. We were there in 2019 in a GV with the Theme park view. Absolutely stunning. We had 7 in the GV, wife and I, daughter, son-in-law, 2 grand daughters (5 and 18 months) and son-in-law's mother. Fantastic trip that everyone still talks about. Actually, son-in-law's mother said that we need to go again when the 18 month old turns 5! Looks like I'll be looking for a nice transfer again.

John

 

[taaren]

VGC owner here. I am definitely not a happy camper right now. I consider my VGC points to be 100% exclusive use points (EUPs) - and I know that I am not the only VGC owner who feels that way. They did extend my 10 previously banked December 2018 points to use on my March WDW trip. I am happy they were extended, but not thrilled they are not being used at VGC. Depending on if and when VGC opens, I may have to use more of my VGC points at resorts that are not the typical plan. Reminds me, I need to call DVC about my July reservation to reallocate banked VGC points to that VGC reservation (have 2 VGC contracts and has some current UY points on the reservation right now and need to pull from my other VGC contract - points had been on VGC reservation that got cancelled and late banked so were not available when I made the reservation).

I asked about allocating banked points to different reservations as I had 5 weekend trips that got cancelled so far, so when I was putting together my replacement weekends for 2021 moving reservations between my 2 contracts, I called MS. MS told me that banked points would be used on my first reservation that I used, whether that ended up being in February (this was last month when we thought the Dec 6 opening was going to hold), or July/September. I hope this is true as I've tried to keep a few trips happening before my June UY as well as my Oct UY on each contract (I have 24 banked from 2019 on my Oct contract, and a similar amount on my June contract, both from the Memorial Day 2020 trip that didn't happen.)

 

[4luv2cdisney]

I agree, the problem is consistency. It isn't like simply not putting points into holding, allowing use of borrowed points, even last minute, can be a problem...maybe even something Florida timeshare law covers regarding availability compared to points allowed in the system. I'm happy, and surprised, they've been able to do as much as they have done...and my heart really goes out to those owners in Aulani and California, that is really going to be a mess even after they fully re-open. According to our documents, when a resort goes down long term, say for hurricane/natural disaster repairs and such, those owners can be temporarily suspended from the DVC system, since their resorts aren't open for other members to reciprocally trade into, because it can throw the point system all out of whack. I'm sure DVC legal has really been hoping to be able to open those resorts so they don't find themselves in that position.

 

[Roughians_satchel]

So I went ahead and banked my points into 2021 use year (June), and found out two weeks later that my daughter's cheer competition is being moved to "some point later in the spring" which means I'll have to borrow some of those points back. Will my banked points hit the restriction? Are you only allowed to borrow 50% of banked since technically they are June 2021 points?

 

[NoTime42]

You can’t borrow the 2020 points you banked into 2021, they will have to be used in your 2021 use year.
You can still borrow 50% of your 2021 points for a trip in your 2020 use year

 

[StitchesGr8Fan]

So I went ahead and banked my points into 2021 use year (June), and found out two weeks later that my daughter's cheer competition is being moved to "some point later in the spring" which means I'll have to borrow some of those points back. Will my banked points hit the restriction? Are you only allowed to borrow 50% of banked since technically they are June 2021 points?

Are you even allowed to borrow points you banked at all?

 

[Sandisw]

Are you even allowed to borrow points you banked at all?

No, banking is a final transaction, so once moved, they can not be returned back. In this case, the June 2020 UY points are now eligible for only trips June 1st, 2021 to May 31st, 2022 as they now reside in the 2021 UY.

The only option for trips between now and the end of May 31st, 2021 (June 2020 UY) is to borrow from the 2021 UY points...which is restricted to 50% of the contract. If someone has already borrowed points, then they can only borrow enough to hit that 50% restriction.

 

[Sandisw]

So I went ahead and banked my points into 2021 use year (June), and found out two weeks later that my daughter's cheer competition is being moved to "some point later in the spring" which means I'll have to borrow some of those points back. Will my banked points hit the restriction? Are you only allowed to borrow 50% of banked since technically they are June 2021 points?

Unfortunately, the only points eligible for trips from now until May 31st, 2021 would be borrowed 2021 UY points which are limited to 50% of a contract.

Those banked points can not be used anymore.

 

[sethschroeder]

Has anyone tried unbanking points? I might try upgrading our room from a Standard to Boardwalk view but really only want to do it if I can pull back banked points.

Suspect just need to call and ask but before I even think more about it figured would just ask.

 

[CarolMN]

Has anyone tried unbanking points? I might try upgrading our room from a Standard to Boardwalk view but really only want to do it if I can pull back banked points.

Suspect just need to call and ask but before I even think more about it figured would just ask.

AFAIK, it's never been allowed. There may have been an exception or two (you never know for sure with MS) but IMO it's especially unlikely now considering the borrowing restriction is still in place.

 

[RebelScum]

How is the 50% restriction enforced? Does the online booking tool enforce it, or do they do it manually after a ressie is in place? My points are such a mess and I am not sure what points are from what year at this point.

 

[Sandisw]

How is the 50% restriction enforced? Does the online booking tool enforce it, or do they do it manually after a ressie is in place? My points are such a mess and I am not sure what points are from what year at this point.

The system will prevent it now. If unsure...go into the points activity statement for each.

 

[RebelScum]

Thank you!

 

[New Mouse]

I agree, the problem is consistency. It isn't like simply not putting points into holding, allowing use of borrowed points, even last minute, can be a problem...maybe even something Florida timeshare law covers regarding availability compared to points allowed in the system. I'm happy, and surprised, they've been able to do as much as they have done...and my heart really goes out to those owners in Aulani and California, that is really going to be a mess even after they fully re-open. According to our documents, when a resort goes down long term, say for hurricane/natural disaster repairs and such, those owners can be temporarily suspended from the DVC system, since their resorts aren't open for other members to reciprocally trade into, because it can throw the point system all out of whack. I'm sure DVC legal has really been hoping to be able to open those resorts so they don't find themselves in that position.

The problem is they were allowed to open for an extended period of time but chose not to. At the end of the day those decisions made the problem worse.