When will this 50% limit on borrowing end?

I don't see this changing until most of the backlog of points is used up or expired.
I wonder if they were monitoring how many points were going to get eaten up by the Wish Cruise and base it off of that. Granted the points don't evaporate for the cruise, but DVC could manage the point usage better.
 
I wonder if they were monitoring how many points were going to get eaten up by the Wish Cruise and base it off of that. Granted the points don't evaporate for the cruise, but DVC could manage the point usage better.
When points are used for a cruise, those points go to Disney who then turns those points in to rooms that they sell for cash. They then use the cash to pay for the cruise. Disney even has an advantage in using those points in that they can book things before the inventory is available to the general membership.

This is one of the ways that rooms at DVC resorts become available for cash bookings by the general public through Disney World Central Reservations.
 
As long as it's lifted by 2024, I'll be fine. We're using all of our points for the next 2 yrs, then banking (and hopefully borrowing > 50%) to fund another AP Year with a Family GTG.
 

I do wonder how much the restriction of new APs and some ticket-types are continuing to contribute to the problem, potentially extending the restrictions in to future years. I can see many banking points in to 2022 because of the potentially high ticket costs. I'm still undecided what to do regarding tickets if we go this year - as we stay on property for 3 weeks at a time. The park ticket cost of doing this is insane compared to an AP.
 
I do wonder how much the restriction of new APs and some ticket-types are continuing to contribute to the problem, potentially extending the restrictions in to future years. I can see many banking points in to 2022 because of the potentially high ticket costs. I'm still undecided what to do regarding tickets if we go this year - as we stay on property for 3 weeks at a time. The park ticket cost of doing this is insane compared to an AP.
2021 is the first time we will be at WDW twice in the same year. AP's would have saved us a considerable amount of money.
 
2021 is the first time we will be at WDW twice in the same year. AP's would have saved us a considerable amount of money.
Did you have an AP during the COVID closure? If so, you might be able to buy a new AP, call the AP phone line directly and ask. 407-939-7277
 
I think we will see most people using the points they have accrued and not been able to use within the next year or two, and that people are going to be more likely to splurge and book accommodations that might cost more. People who are typically studios might use their points in 1BR’s, for example, which would be ideal as that would not tax the system as much, seeing as 1BR’s don’t fill up the way 2BR’s and studios do. If I had to guess, I would say borrowing restrictions will either be increased to 75% instead of 50%, or will be back to 100%, for trips booked in 2023.
 
One of the problems is that they put the restriction into place when demand was way down, which actually exacerbated the problem.
Yeah probably would’ve been better to have set a date where reservations after that point would be limited to 50% borrowing, say March ‘21. Last fall and winter had tons of availability continually showing up as there were generally less bookings and then cancellations and rescheduling on top of that.

They may have very well considered it back when the decision needed to be made, the challenge was in predicting when that window would end back when there was much less certainty, and what value it even had with the likelihood that window was going to be only a small fraction of the full timeline necessary to make it worth the confusion for members. Weighing both i think their decision made sense. It could’ve helped but came nowhere near solving the problem. The dent it would’ve made wasn’t worth the complications.
 

















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