• On Oct 13, 2021
    Latisha 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.

    Good evening, my DVC use year is March. Due to COVID, I did not use all of my 2021 points and banked them into 2022. I am looking to make a reservation for June 2022, now, will I have to borrow 2022 points for this reservation??

    Welcome Home, Latisha!

    This is a great question, and one I think many of our fellow Disney Vacation Club Members have. How and when you can book, and how that relates to Use Year can be confusing. Hopefully, I can help you figure it out!

    Your Use Year determines when your Vacation Points are available for a stay. In your case, your March 2022 Vacation Points, and your banked 2021 Vacation Points can be used to stay as early as March 1, 2022, and as late as February 28, 2023. Use Year determines when the stay must occur, but not when you may call or go online to make the reservation.

    You do not need to wait until the Use Year to begin to be able to book! Here is my quick how-to on how to determine when to book and make the most of your DVC Membership:

    1. Determine what Use Year your points are in, and when they can be used. In your case, March 1, 2022, through February 28, 2023.
    2. Decide when you want to travel! For you, June 2022 sounds like the plan!
    3. Backtrack 11 months from that date and book your Disney Vacation Club Home Resort! For June 25, 2022, you can book your Home Resort beginning July 25, 2021. (No borrowing needed!) Disney Vacation Club works best for those who plan in advance. Always book something as soon as you know your dates, you can attempt to modify your reservation later if desired.
    4. Modify your Home Resort reservation to a non-Home Resort, or make a new reservation at a non-Home Resort 7 months before check-in. For a stay beginning June 25, 2022, you could do this as early as November 25, 2021. (If the resort or dates you want are not available, always consider a Wait List request!)

    Latisha, borrowing also is related to when the stay occurs, and not what day it is today. For a June 2022 trip booked with your March 2022 Vacation Points (and banked 2021 Vacation Points), you would only need to borrow if you didn’t have enough points in 2022. Borrowing can be done only at the time of booking, and currently, Members may only borrow up to 50% of their next Use Year’s Vacation Points. So, if you have 200 total Vacation Points to book your June 2022 stay, but need 220, when you go to book, you will be able to borrow 20 Vacation Points from your 2023 Use Year to complete that reservation. You can also consider purchasing up to 24 one-time-use Vacation Points.

    On the other hand, if you were wanting to make a last-minute trip, say a stay in January of 2022, that would be the situation where you would have to borrow March 2022 Vacation Points. Because you borrow the Vacation Points into the Use Year (not calendar year) in which the stay occurs. And a January 2022 stay would fall into your March 2021 Use Year.

    I hope this helps you understand how and when to make your booking. My top tip is to always book your Home Resort as soon as you know your dates, preferably 11 months before check-in. You can always modify your reservation if your plans change, and check availability at other resorts at the 7-month mark! I love talking Disney Vacation Club with my fellow Members, Latisha. If this still doesn't make sense, or you have other questions on how to use your Membership, please send them my way!

    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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