• On Mar 21, 2021
    Doug from MI Asked Please note that experiences, policies, pricing and other offerings are subject to change and may have changed since the date of this answer.

    If I borrow points from 2021, then modify using less 2021 points, do those points move to 2020? or has it changed during covid

    Welcome Home, Doug!

    This certainly has been a strange year. I know many Disney Vacation Club Members, like myself, have been scrambling to rearrange vacations and manage their Membership. As a Disney Vacation Club Member who has two Home Resorts, and manages her parents’ Membership, I have always prided myself that we have never let a Vacation Point go to waste. Thankfully, I only lost 4 Vacation Points last year, but sadly my streak is broken.

    First, I want to be sure you know that currently, no more than 50% of a contract’s Vacation Points can be borrowed into the current year. This is a new rule that went into place since the pandemic. With so many folks like myself with banked points from last year, Disney Vacation Club wants to be sure there are opportunities for Members to use, and not lose, those banked points.

    If you do borrow points from your 2021 Use Year into your 2020 Use Year, that move is final. Borrowed Vacation Points cannot be returned to their original Use Year even if you modify your reservation, and so borrowed 2021 points would be permanently moved into your 2020 Use Year.  

    If you decided to borrow, and then modified to a reservation that utilized fewer Vacation Points, you could call Member Services and request a Point Reallocation. The idea would be to book the reservation with all of the borrowed 2021 Vacation Points, and any unused Vacation Points would be 2020 Vacation Points. As long as you are still within your Banking Window, you could bank your unused 2020 Vacation Points into 2021 and hopefully not lose them. If your Banking Window had already closed, you would, unfortunately, have to use your points before the end of your Use Year or they would expire.

    When Disney Vacation Club Resorts were shut-down, some Members booked with Vacation Points whose stays had to be canceled by Disney Vacation Club were able to return points to their original Use Year. This was a special exception because the resorts were closed and the stay was canceled by Disney Vacation Club, and not by the Member. Those exceptions are no longer in effect since the resorts have reopened.

    I hope this helps with your planning and point allocation, Doug, and that you can secure the reservation you are hoping for!

    Wishing you Membership Magic,
    - Kate
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Meet the Panelist: Kate, Indiana

"Welcome Home!" I'm Kate, a mom and nurse from Indiana. A lifelong Disney fan, Disney Vacation Club opened a world of vacation possibilities for our family. I’ve traveled with young children and those young at heart, planned romantic trips for two and made FastPass+ reservations for an entire marching band! Whether dining with Mickey, surfing in Hawaii, or relaxing around the pool we make the most of our Disney Vacation Club Membership. For this nurse, every day is better with a little dose of Disney! Learn More About Kate

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