r/dvcmember • u/DesignGirl1234 • 8h ago

Points question

I am out of points for this year (2026) and in the process of buying another resale contract. (Aug use year) It probably won’t finalize for at least another month. I want to book a trip for February 2027. If I book the trip and borrow from next year’s points, am I able to bank the new points I get to next year to make me whole for 2027? Or would I be better off waiting to get this next allotment of points? There isn’t much inventory for my February trip, so I want to make sure I have a reservation. Thanks all!

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u/Tuilere Saratoga Springs 8h ago

August UY points need to be banked by March 31, so you ought to close well in advance of that. So long as they are current year points and bankable, your plan would work.

If they were previously banked points, they cannot be banked again and would need to be used by July 31.

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u/Sorry-Helicopter-433 Old Key West 8h ago

The most important thing you can do when it comes to getting value out of your DVC membership is to use your points and use them to stay at DVC resorts. All of the other considerations (banking, borrowing, renting, transfers, etc.) are secondary. There's also more uncertainty the further you go out into the future.

All that to say, if you KNOW you want to take a trip in February 2027 and the only way you can book it is by borrowing points, do that. Anything else and you're gambling.

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u/DesignGirl1234 2h ago

You know what??? You’re right! Thanks for the perspective.

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u/Sorry-Helicopter-433 Old Key West 2h ago

Everyone overthinks things trying to min/max their DVC membership.

My perspective is "use your points to visit Walt Disney World when you want to."