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.
Rayna