Has anybody tried to make a reservation combining banked points, current year points, and borrowed points? What would be the fee to make such reservation?
1. You must first bank (rescue/deposit) your points & pay the fee for that ($76 online); then...
2. You make a standard reservation, the fee for which is ($52 online).
The points are drawn in the following order: banked points, current-year points, and any more points needed are borrowed automatically, without any fee.
The reason borrowing is free: To the extent that borrowing exceeds banking, it frees up space that HGVC can use for it's own benefit, i.e. hotel bookings or RCI exchanges.
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