The 50% borrowing rule

[PoohBears#1fan]

So how long are we thinking this could be in place for?

We're replanning our trip with our friends from this August until January 2022 and hoping to do a split stay between BCV & a cabin at CCV, I'd like a week at each but that will be 2 years of my CCV points.

I could bank 2020s but with a Feb UY, just feels too risky, not that a holiday in the last month of our UY isn't risky anyway, but I'm past caring in all honesty.

My guess is that the 50% rule is likely to still be in place for a couple of years, would you agree?

[Shooby doo]

No my opinion is next year & then revert, it's all those extra points from this year that are causing the back log, to extend beyond this will cause them major issues & I'm not sure how that would stand legally.As you know they really push that borrow ability & since the "drop" in minimum buy in (is it a 100 now?) they basically have a potentially large group of people that can barely get a week's holiday in Sept! Plus it only mentions "Borrowing" if for example you Bank '21 & then plan a '22 vacation you still effectively have 2 years worth of points IYKWIM but then it is Disney
SD

[PoohBears#1fan]

Originally Posted by Shooby doo

No my opinion is next year & then revert, it's all those extra points from this year that are causing the back log, to extend beyond this will cause them major issues & I'm not sure how that would stand legally.As you know they really push that borrow ability & since the "drop" in minimum buy in (is it a 100 now?) they basically have a potentially large group of people that can barely get a week's holiday in Sept! Plus it only mentions "Borrowing" if for example you Bank '21 & then plan a '22 vacation you still effectively have 2 years worth of points IYKWIM but then it is Disney
SD

See more...

It's a good rationale, I do hope you're right

[layregula]

I hope not. I bought 100 thinking we could borrow and go for two weeks every other year. Bought in November, not went plan so far
😂

[Norn Iron]

Never even knew this was a thing! Could put a spanner in the works for 2021

[Gelatoni]

I'm wondering the same. For us Brits it affects us more, as US DVC members might very well go for a couple of nights, but we go for at least a week.

Can we still buy 1 time use points? If i borrow about 50% and buy the 24pts we'd be able to get what we want.

[Dr.JumbaJookiba]

Originally Posted by Gelatoni

Can we still buy 1 time use points? If i borrow about 50% and buy the 24pts we'd be able to get what we want.

See more...

Yeah, I bought 17 this week to complete a booking.

[Gelatoni]

Originally Posted by Dr.JumbaJookiba

Yeah, I bought 17 this week to complete a booking.

See more...

Oh brilliant. Just need to hope RR or VGF are available at 7 months! 😊

Thanks

[PoohBears#1fan]

Hopefully it won't be in place for too long. Seems a little contradictory that we can buy one time use points, but not borrow those points forward from our own contracts...

I do understand there have to be some restrictions to manage this horrible situation though, I wouldn't want to be the one setting the rules.

[Shooby doo]

Don't quote me on this But i believe they had to make an exception for this years points as legally they can't have more points in the system than the system has at 100% capacity, by extending the Use of those points that's what they have created & then introduced the 50% rule to get those extra points used up first IYKWIM
SD