Stripped points use year question

or would i need to borrow fromy ‘27 points and have to try and book at 7 months for BCV?

As long as the points have posted to your 2027 points, you can borrow from the 2027 bucket to use in Jan 27 (as a 2026 borrowing). I always get confused with the December use year for this reason.

That’s why I’m glad we have February use years on all our contracts.

For a December use year : Your points run from December 1st to November 30th each year so to use the points that you would receive on December 1st 2027 for a date in January 2027, you would need to borrow.

If you want to use points from another contract not at BCV, then you’ll have to book at 7 months.

Hope this makes sense.

When in doubt call member services, they can go over your options aa well as we can.

You would need to borrow. As far as I’m aware, you could still book at the 11 month mark.

But if i bought the contract and it was stripped in ‘26 then would i not be able to borrow assuming it was stripped from the previous owner for travel they are doing before that ‘27 use year starts?

If there are 2027 UY points, those points could actually be borrowed right now and used for travel within the 2026 UY, which begins 12/1/2026.

Now, if you have a delayed close because the current owner has a reservation they need to complete before completing the sale, you will have to wait until the sale closes and the contract has been set up in your DVC account. But, once that happens, all the points remaining are yours and if there are 2027 UY points, you could borrow those into 2026 and book travel up to 11 months from today (which would be in your 2026 UY).

If you don't want to borrow, you would be able to book travel for dates in the 2027 UY which will begin 12/1/2027 starting 11 months prior to that, or 1/1/2027, but the most you will be able to book is 7-nights with a check-in date beginning 11 months from the date you are booking. So each day after 1/1/2027, you will be able to book a bit further into your 2027 UY.

When someone says 20XX UY, they are referring to a UY that began in that given year. This can be confusing for people with UYs that begin later in the year, as most of the months in your UY will not occur in that calendar year, but in the next one. So, your 2026 UY begins 12/1/2026, but 11 months of it are actually in 2027.

Ah that makes sense, so no delayed closing and i see the 2027 points available in my dashboard so then i can borrow and use. Thank you. December use year is a bit confusing