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Borrow and bank points?


Feb 26, 2016
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With Wyndham can you borrow next year's points or bank last year's points?


TUG Review Crew
TUG Member
May 1, 2009
Reaction score
Resorts Owned
Grand Pacific Palisades
Wyndham Oceanside Pier
Hyatt Pinon Pointe
With my account I can borrow from next year as long as I have points and am within 90 days of travel.
I can put this years points into next year within the first 3months of the year with a fee. This varies depending on status (VIP etc)
There’s lots of threads that have way more info and the different levels if you need it


TUG Member
Sep 1, 2018
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Tampa, FL
Resorts Owned
Club Wyndham, Marriott, DVC
100% resale!!
Banking costs $39. If you feel like you're going to end up not using all your points in one year. You've better off borrowing during the previous year to use them up early.

I book express reservations mostly (inside the 3 month window) and I always borrow from the feature use year. The only points that I use during my actual use year are the points I use every year to do rentals with, because I have to book those 10 months out. I have 394,000 odd and 600,000 even points so I really have to make express reservations in my odd year.