Why the 8-month Restriction on Banking

[Dean]

Every points system I know of has some type of limitation on banking and borrowing. It's a smart management tool to keep a handle of the number of points vying in any given year. The more liberal the system is, the better for sales. The more strict it is, the better for management of the system and units involved. DVC does not make money on this portion of the system and it is not a conspiracy. DVC is fiarly liberal and flexible in the area of banking and borrowing compared to most. You don't have to prepay to borrow, you have full use of the points that are banked or borrowed, no fee to bank or borrow and statistically the 8 month window allows as many or MORE points to be banked overall than the old system.