Hiya, Cynthia!
Welcome Home and welcome to planDisney. I always love chatting with fellow
Disney Vacation Club neighbors. As a Member for 22 years, our family has loved the flexibility of the program, including the option to
Bank and Borrow Points, so that we can make magical vacations work best for us year after year.
Cynthia, if you have an October Use Year, you will receive your 2025 Vacation Points on October 1 of this year. That means that travel that will take place in November 2025 will actually take place in your October 2025 Use Year and you would be eligible to Borrow allotted Vacation Points from your 2026 Use Year into your 2025 Use Year to place towards the cost.
If you were to both Book and Borrow and later cancel, the
Borrowed Vacation Points will remain in the October 2025 Use Year as the borrowing of your Vacation Points is considered a final transaction. You would have until September 30th, 2026, to use those Borrowed Points. One additional note is that
Borrowed Vacation Points can't be Banked or Tranferred. If you don't use them by September 30th, 2026, they will be forfeited.If you have questions about your specific account, I would recommend contacting Member Services. They are like Fairy Godparents - all knowing and able to make your vacation dreams come true.
I hope this helps you, Cynthia! If you have any further Disney Vacation Club questions, knock on my door, and I'll be happy to lend you a hand.
Magically Yours,
Keri