Points Reallocation

oldwash

Mouseketeer
Joined
Oct 23, 2015
I looked back but didnt come across a thread that answered all my questions. If I make another purchase at the same property and it has 2015 points, and I currently have a reservation using 2016 points from my previous purchase, can I reallocate the 15's for the 16's? Do they have to be the same use year? What if I had borrowed 2017 points, can they be put back and 15's used? Any answers would be greatly appreciated or a point in the direction of paperwork or thread.
 
From your question I am assuming the following based on a guess from your post. You have a trip scheduled during your 2016 use year and have borrowed 2017 points for part of that trip. You are purchasing points for the same resort and it has 2015 points still in it. You are either purchasing a contract with the same use year month or a different use year month. Then:

1. If the new points have the same use year month, and you can still bank them because you are not beyond the banking deadline, you can bank them into your 2016 use year, then MS will allow you to switch those points with others in the reservation. However, the only switch you want to consider is one for 2016 points in that reservation because if you take out 2017 borrowed points, they will remain borrowed and have to be used by the end of your 2016 use year.

2. If you are purchasing a contract with a different use year month (e.g., you currently have an August use year and are buying a September use year), then even if you bank those 2015 points from the new contract, you will not be able to switch them with any points in the reservation. However, you could possibly first transfer them to your original use year, then bank them if necessary, and do that switch for 2016 points in that reservation.
 
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The only time MS will let you "unborrow" points is if you purchase an add-on directly from Disney. They will allow you to substitute in points from the new add-on in place of borrowed points and they will put the borrowed points back into their original UY. If you purchase the contract on the resale market instead of from Disney, they may let you do it but they may not. For a contract to be an "add on", it must have the same UY and be titled the same way as your master contract so that it can be added on to your current membership.

Also, if the add-on is for a different resort and the original reservation was made in the 11-month window you cannot substitute points unless there is current availability for the room you have reserved. Otherwise that would amount to circumventing the home resort booking window.
 
Guess I should have taken it one step at a time. Bought a resale with 2015 points already banked and and all 2016 points. Have booked reservations and used up most of the now 2016 points. Nothing borrowed. So, if I buy the same use year/month/resort with 2015 points already banked again, I can use/swap those banked 2015 points with the 2016's already used? One I own had 150 2015 banked to 2016, so 300 total 2016. Reservation took up 294.
 
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Yes, they should allow you to do the switch of the banked for current points in the reservation. That assumes the new contract is purchased in the same names that you used for the oriiginal one so that it will be attached to the same membership number. You need to do it 31 days out from arrival or more. Once the reservation is 30 days or less away, any points taken out of the reservation would go into a holding account and have to be used by the end of the use year by making a reservation 60 days or less out from arrival.
 
Guess I should have taken it one step at a time. Bought a resale with 2015 points already banked and and all 2016 points. Have booked reservations and used up most of the now 2016 points. Nothing borrowed. So, if I buy the same use year/month/resort with 2015 points already banked again, I can use/swap those banked 2015 points with the 2016's already used? One I own had 150 2015 banked to 2016, so 300 total 2016. Reservation took up 294.
If it's attached under the same master contract and you can get it done at least 31 days in advance, you should be able to reallocate them. There's no official policy from what I know so there are no guarantees. Of course you've got to find and buy a contract plus get it into your name and loaded into the system with enough lead time to bank the points you free up.
 
Thanks for the answers. Now it sounds like it's possible to do it with a different use month, but only if they havent already been banked?
 


Here's another. Sounds like borrowed is borrowed, but say I borrowed points from 2017 and used them along with 2016 points to make a reservation. I then bought another same use year/month with 2015 points already banked to 2016 and had the points reallocated to that reservation. So now I have my 2016 points back along with my 2017 borrowed. If I understand right the 2017 have to remain 2016, but can I bank the original 2016 to 2017 now?
 
How about one more. If I get a transfer from another owner of 2015 points can I use them for the reallocation? Would it matter if they were banked 2014 points?
 
Thanks for the answers. Now it sounds like it's possible to do it with a different use month, but only if they havent already been banked?
A different UY would not be in the same master account. You might be able to accomplish the same thing by reserving from both accounts and linking them but it does become more complicated and you might have to do a check in more than once. You would not be guaranteed to stay in the same villa and might have to move.

Here's another. Sounds like borrowed is borrowed, but say I borrowed points from 2017 and used them along with 2016 points to make a reservation. I then bought another same use year/month with 2015 points already banked to 2016 and had the points reallocated to that reservation. So now I have my 2016 points back along with my 2017 borrowed. If I understand right the 2017 have to remain 2016, but can I bank the original 2016 to 2017 now?

How about one more. If I get a transfer from another owner of 2015 points can I use them for the reallocation? Would it matter if they were banked 2014 points?
It really only matters that the points are usable at the date in question. The only other issue is that the reservation had to be made at or after 7 months out or one has to be dealing with the same home resort if made in the home resort priority window. It seems now you're trying to figure out the rules rather than just how to accomplish a one time goal. Just remember that none of this is written in stone and it might vary with each phone call and could change tomorrow against you. It is my opinion that each change should be a cancelation and rebooking and this would be negative to your situation in question but that's not currently how it's done in this situation.
 
Well that answers another question I guess, nothing is written and even if I call I may not get the right answer. My goal is to spend my money on something that will work. I dont need anymore 2015 points, but if they get my 2016 points back, then I'm interested purchasing something that would do that. Of course, time isnt on my side so the quickest way might be a transfer from another member. Reservation was made in the 11month window so I dont know if a transfer would work, whether it has to be the same use month, etc. Maybe I'll call today and see what they say.
 
Well that answers another question I guess, nothing is written and even if I call I may not get the right answer. My goal is to spend my money on something that will work. I dont need anymore 2015 points, but if they get my 2016 points back, then I'm interested purchasing something that would do that. Of course, time isnt on my side so the quickest way might be a transfer from another member. Reservation was made in the 11month window so I dont know if a transfer would work, whether it has to be the same use month, etc. Maybe I'll call today and see what they say.
Or you may not get the same answer, a lesson unto itself. It's generally a mistake buying DVC to put too much emphasis on the short term. Trying to get that next reservation or being otherwise pressured is often going to cause one to make less than the best choices. While there is value in terms of the cost vs the points accounting that will affect the value between contracts, making this an important variable often leads to mistakes. IMO it's important to make good decisions up front which means getting past the emotions and gathering enough info to do so. I believe it's as or more important to make good decisions for an ad on. How many points? Same UY? Home resort? Buy full sized? Pay more PP for smaller contract? Buy larger and sell what we have? And it's easier in some ways but harder in others.

In reality a transfer isn't likely to be a cost effective option at say $14 PP. IF an add on is needed LONG TERM, most people would be far better off just using the points as allotted and trying to find the best contract long term. They may not allow a reallocation for transferred points but if so, they just have to be active at the time of the reservation, not the same UY. If you're going to do transferred points, which can also be banked, you're likely better off just looking for a transfer and using those for the future unless they would expire sooner than the points you're freeing up. Of course there's one other advantage to substituting them since transferred points can't be booked online in most cases.

Maybe I missed, I've followed the what but not the main why of this discussion. What are you really trying to accomplish with this as the long term goal(s)? Do you need more points anyway and just trying to get the best bang for the buck? Are you planning a specific trip that you can't do with your current points situation? While it's best to be using current UY points when possible, it's almost always better to use banked/borrowed points than to do a transfer or buy a smaller amount of points if that's the only motivation. There are ALWAYS options to stretch one's points if needed.
 
I think your right about not looking at the short term side of things. Plus I had so many things floating around that I now realize a cheap 2015 points transfer won't help as its a 2016 window reservation. Probably just need to wait for the right deal to come along. Bought at the Boardwalk for F&W but now think 150 won't be enough in the future. Thanks for all the insight.
 
I think your right about not looking at the short term side of things. Plus I had so many things floating around that I now realize a cheap 2015 points transfer won't help as its a 2016 window reservation. Probably just need to wait for the right deal to come along. Bought at the Boardwalk for F&W but now think 150 won't be enough in the future. Thanks for all the insight.
You're welcome. It's sounds like you're new so I'd suggest using the contract a couple of years and see how it goes. You may find you have to own at X resort so a functional new purchase/add on there may be just the ticket. Or you may find you're reserving at or after 7 months more often than not so the cheapest option might be the best one. Or it may be that you have enough points to do what you need. Or that a non DVC timeshare may offer you sufficient options to justify branching out. The benefit of educating yourself and spending time learning the system is you can make a far better and more informed decision in a couple of years than you would today. Your usage and variables will be completely different from most anyone else even when they're similar. Any potential additional incremental cost will be well worth a better decision later.
 

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