• On Nov 11, 2019
    Michael from Wales Asked Note: This answer was provided prior to the change to planDisney and may still contain references to Disney Parks Moms Panel.

    Experiences, policies, pricing and other offerings are subject to change and may have changed since the date of this answer.

    Hi, We are planning a large family vacation in 2021 and will be booking in 2020, I have 44 points left this year and will bank these to be able to use for the vacation. I know I will have points for 2020 and 2021, but could i use those points from 2022

    chEARs Michael!

    Welcome to the Disney Parks Moms Panel. I love the flexibly of Disney Vacation Club. You get to decide how, where, and when you vacation, and it looks like you are already on the path to a magical bash in 2021!

    So let's talk POINTS! First, your "Use Year" depends all on when you signed your contract. For discussion purposes, let's say your Use Year is from January to January. If you have 44 points left for 2019, you can bank those points for use in 2020, but not into 2021. You can bank points once, and only from your current Use Year to your next. If you do not use the banked points during your next Use Year, they will expire. (Moms tip - use those 44 points for a quick getaway close to you with RCI if you can't make it to the States).

    Now that we've talked banking let's chat borrowing. If your combined points of borrowed 2020 points and current 2021 points don't cover your vacation, you can borrow vacation points from 2022. Disney Vacation Club's website makes it very easy to do the transaction online, but Member Services is also available to help. There are a few rules that come along with borrowing. First - you can only borrow points to make a reservation (in other words, you can't borrow points from 2022 to pad your 2021 bank; it needs to be for a specific vacation). Second - you can only borrow the exact amount of points you need. Third - if you acquire points and don't end up using them by the end of the Use Year, they will expire. Sadly, they can't go back to the original Use Year.

    All in all, Michael, it looks like you will have some great flexibility for planning your 2022 grand family vacation! I wish you much pixie dust with planning.

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Meet the Panelist: Rayna, Florida

Hi y'all! I'm Rayna: wife, mom, anesthesiologist, and long-time Disney enthusiast. I've lived all over the country, but these days life has my family of seven in Florida. We're fantastically close to the most magical place on earth, and as Annual Passholders and Disney Vacation Club members we couldn't be happier about it. We've visited almost every Disney Vacation Club resort, so I'm thrilled to be here doing what I do best: Helping plan magical vacations. Learn More About Rayna

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