How does Banking and borrowing points work?
Disney Vacation Club is quite flexible in that you have the option of using more or less than your annual points by doing a little planning ahead. You are allowed to “bank” one year’s worth of points. That means if you dont use all of your points in one year, you can save the remainder for use in the next year. You must pay attention to the calendar though, because you can only bank 100% of your points if you do so by a certain date. Borrowing means just that. You may have a big vacation planned that requires more points that your annual allotment. With a little planning, you can “borrow” points from the following year’s allotment and use them a little early. When your new use year comes along, you will only get the remaining points (those not borrowed) into your bank. Banking and borrowing require close attention to the dates assigned to your “use year”. If you do not bank unused points by a certain date (see your current Member Guidebook) then you may loose some of them.
