What if I cannot use all of my points in a given year?
DVC allows owners to "bank" points one year forward, thus extending their useful life another 12 months.
An owner with a February Use Year will receive 2012 points which are valid for stays between 2/1/2012 and 1/31/2013. If some or all of the points cannot be used, they can be Banked into the 2013 Use Year. That would effectively change the usage period of those 2012 points to 2/1/2013 - 1/31/2014.
Points can only be banked forward one year. If those February 2012 points are not used by 1/31/2014, they would be forfeit.
Points must be banked by the eighth month of the Use Year. In the case of the February example above, the owner would have to bank the 2012 points by September 30, 2012--the end of the eighth month of the Use Year. If the points were not banked by 9/30/12, unused points would expire on 1/31/13.
