DVC RESALES
DVC RESALES

Go Back   The DIS Discussion Forums - DISboards.com > Disney Vacation Club > Purchasing DVC
facebooktwitterpinterestgoogle plusyoutubeDIS UpdatesDIS email updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read





Reply
 
Thread Tools Rate Thread Display Modes
Old 12-29-2013, 09:19 AM   #1
itutorfortravel
I tutor high school math to pay for my travel addiction!
 
Join Date: Apr 2008
Posts: 2,597

Banking and borrowing

I want to be sure I understand these two things...

For arguments sake, let's say I have a contract with a November UY:

The way I understand banking is that I could essentially "roll over" current year points to the next year provided I do it 4 months before my UY (nov 1 or nov 30?)

Now, how does borrowing work? When can I borrow from the next year? And by banking and borrowing does this mean I can essentially combine points from 3 years to take a really big trip?

Thanks!
itutorfortravel is offline   Reply With Quote
Old 12-29-2013, 09:34 AM   #2
CarolMN
DVC Co-Moderator

 
Join Date: Aug 1999
Posts: 24,240
DISboards Moderator

Quote:
Originally Posted by itutorfortravel View Post
I want to be sure I understand these two things...

For arguments sake, let's say I have a contract with a November UY:

The way I understand banking is that I could essentially "roll over" current year points to the next year provided I do it 4 months before my UY (nov 1 or nov 30?)
Yes, but you may only "roll over" the same points once. After you bank points, those points expire at the end of the use year into which you banked them.

Also, FYI, there is no November use year. No January, May or July use year either. No one here really knows why. Use years start on the 1st of the month.

Quote:
Originally Posted by itutorfortravel View Post
Now, how does borrowing work? When can I borrow from the next year? And by banking and borrowing does this mean I can essentially combine points from 3 years to take a really big trip?

Thanks!
You may borrow points if you need to do so when you are making a reservation that will use them. You may borrow points from the next use year. (Only one use year ahead).

To use 3 years worth of points, you would need to take the trip in Use Year 2. You would bank the points from Use Year 1 into Use Year 2 and borrow the points from Use Year 3.

Understanding Use Year
__________________
Best Wishes -



BWV - Early Morning on May 2, 2008
CarolMN is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 12-29-2013, 09:38 AM   #3
itutorfortravel
I tutor high school math to pay for my travel addiction!
 
Join Date: Apr 2008
Posts: 2,597

Thanks! Can you bank points into a year other than a subsequent one? In other words could 2014 be banked into 2016 or later?
itutorfortravel is offline   Reply With Quote
Old 12-29-2013, 09:41 AM   #4
CarolMN
DVC Co-Moderator

 
Join Date: Aug 1999
Posts: 24,240
DISboards Moderator

Quote:
Originally Posted by itutorfortravel View Post
Thanks! Can you bank points into a year other than a subsequent one? In other words could 2014 be banked into 2016 or later?
No. You can bank 2014 points into 2015. Then they would expire at the end of 2015 if you do not use them before then.

You can bank 2015 points into 2016 and you can bank 2016 points into 2017 and so forth. You may only bank points one use year ahead.
__________________
Best Wishes -



BWV - Early Morning on May 2, 2008
CarolMN is offline   Reply With Quote
Old 12-29-2013, 10:37 AM   #5
OKW Lover

Yes, we love Old Key West
Connoisseur of the fine things in life, and has the time to enjoy them (Just ask his wife)
 
Join Date: Apr 2004
Location: 2 miles north of the Castle!
Posts: 20,915

And just to add onto the good info that Carol has posted; you can't bank from one year to the next and then further bank those points into the following year.
__________________
OKW Lover is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

DVC-Resales.com | 1-800-550-6493 (Contact The Timeshare Store) | DVC Resale Listings

facebooktwittergoogle plus youtube itunesDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 11:21 AM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.

You Rated this Thread: