Quick notes on transfers:
1. Because you can only transfer in OR out 1 time per year, most owners won't transfer small amounts.
2. You can bank but not borrow them. This prevents home advantage swapping. For instance, say we want to swap resorts in 2017. If you transfer me 100 of your AKV points in 2017, then we've both used up our 2017 transfer. If you could borrow points, then I could swap you back 100 of my 2018 BCV points (using both of our 2018 transfers) and then you could borrow those into 2017 and then we've effectively swapped home resort advantage for 2017. Not allowed.
3. The UY matters but not the Use month. You can transfer in points that don't align with your use month but they have to align with your UY. Real world recent example: I wanted to transfer into my June UY account someone's points from Oct '2016. Since it's now June 2017, I couldn't transfer their 2016 points into my now 2017 UY. I no longer have a 2016 UY to align with those points.
4. If you transfer into your account the same home resort and UY month, you can see the points in your account. Otherwise, member services will have to make your bookings and you'll have to keep track of them because they'll be invisible in your online account.
5.
DVC bans transfers for money. They do so for two reasons. 1. Points have no monetary value. From a legal perspective, they are simply a convenient representation of your timeshare interest. It's in DVC's best legal interest to protect that fiction. 2. If transactions for money are illegal, you can't complain or seek redress with DVC if the deal goes bad. Transfers are final and you're on your own. You can't call the cops to report that you got cheated on your drug (illegal) deal. That said, transfers happen pretty routinely and DVC seems to turn a blind eye to it.
