Exactly my point.
Even if I bank this one (1) point before 5/31/19, this one (1) point will expire on September 30, 2019 and will not be available when I am ready to book a future trip for sometime after October 2019.
Hence, I am back to the point that I began at: Looks lhis one (1) point will be eaten by the Mouse.
I think you need to sit down and understand use years, banking and borrowing aspects of
DVC because it seems that you're not getting it.
Your
USE YEAR is October. That means that every October you receive a full allotment of your points to use on reservations from October of the current year through November of the next year. Your 2018 UY points are valid for reservations from October 1, 2018 through September 30, 2019. "Use Year" and "calendar year" are NOT the same. That trips up some people because they get confused that something with "2018" associated with it can actually be used in 2019 without any additional processing.
Points have an expiration date of the end of the Use Year. If you can't use points between October of the current year and November of the next year (your Use Year) you may
BANK them so they are added to the next year's allotment. Points banked from one year to the next is a one-way trip and they may not be banked again. When I bank points I always make sure that the banked points are used first. In your case you have 1 extra point from your 2018 UY that you are not going to use. You can Bank that point by May 1, 2019 into the 2019 UY and it will now be valid for reservations from October 1, 2019 and November 30, 2020. Let's say that you own 200 points, so I like to think of it as getting 20
1 points to use for reservations in my 2019 UY instead of just 200.
If you have reservations that use more points that you have in your current Use Year you may
BORROW points from the following UY. Like banked points, it's a one-way trip. Let's say instead of having 1 extra point leftover in 2018 you
needed 1 extra point to make your October 2018 reservation. In that case, you would Borrow from your 2019 UY (valid from Oct 1, 2019-Nov 30 2020) into your 2018 UY (valid from Oct 1, 2018-Nov 30, 2019). When October 1, 2019 rolls around your allotment would only be 1
99 points instead of the full 200 because you borrowed.
I hope that helped you! Bottom line: You will not lose that point. You may bank that 1 point by May, 2019 and it will be put into your 2019 UY and will be valid to use between Oct 1, 2019 and Nov 30, 2020.