HGVC Borrow Points Issue

[DazedandConfused]

One challenge of borrowing points from the next year is that HGVC does NOT allow you to choose what contract to borrow from (like Disney does) and that can impact home resort booking for ALL properties, especially if you own multiple resorts.

Does anyone know how to borrow from a specific contract or resort vs allowing "the system to choose"?

I also called member services, but they said to book the home resort to lock it in before borrowing points, but that really is not the best as I am not ready to choose my home resort dates yet.

 

[HuskerATL]

As long as you have enough points in your bucket to cover your HW, it will work. It doesn't matter where the points come from.

 

[BingoBangoBongo]

The only issue in this area that I am aware of is the use of bHC points for a reservation that may prevent you from booking your Home week at that resort. Otherwise as @HuskerATL states, points are points.

 

[HuskerATL]

The only issue in this area that I am aware of is the use of bHC points for a reservation that may prevent you from booking your Home week at that resort. Otherwise as @HuskerATL states, points are points.

good point about bHC....I was just thinking about HGVC.

 

[DazedandConfused]

I gess I am used to the DVC system of choosing how to use, bank, or borrow your points as they are separated by contract. I find the HGV system of borrowing very sloppy as nobody can tell e where the points are coming from and I dont want to take a change I lose my home booking week for Park City or Hawaii as I really dont care about Las Vegas home week. In other words, I wanted my points to be borrowed only from my las vegas contracts, not Park City or Hawaii.

 

[alwysonvac]

One challenge of borrowing points from the next year is that HGVC does NOT allow you to choose what contract to borrow from (like Disney does) and that can impact home resort booking for ALL properties, especially if you own multiple resorts.

Does anyone know how to borrow from a specific contract or resort vs allowing "the system to choose"?

As stated above, it doesn't matter. Unlike DVC, you have a pool of points to borrow from. It's not resort specific.
When you book your home week, the system simply checks to see if you have the required full allotment of points within the same use year.
NOTE: Borrowed points may not be used to make a Home Week reservation

For example, the system will automatically reflect which resorts are no longer available for home week booking based on your remaining point balance by use year. It doesn't know which resort you'll choose based on the remaining number of points. It only knows what is no longer eligible based on your remaining balance.

I also called member services, but they said to book the home resort to lock it in before borrowing points, but that really is not the best as I am not ready to choose my home resort dates yet.

If it's a bHC issue then simply make a reservation as a temporary placeholder before borrowing points. After you've completed your reservation requiring borrowed points, cancel your temporary bHC reservation.

Reminder, you can cancel a home week or home resort reservation without penalty 31 days before checkin.
NOTE: bHC owners who opt-out of the all-inclusive club dues may forfeit their reservation fee (see table below).

 

[GT75]

I gess I am used to the DVC system of choosing how to use, bank, or borrow your points as they are separated by contract. I find the HGV system of borrowing very sloppy as nobody can tell e where the points are coming from and I dont want to take a change I lose my home booking week for Park City or Hawaii as I really dont care about Las Vegas home week. In other words, I wanted my points to be borrowed only from my las vegas contracts, not Park City or Hawaii.

I don't see it as sloppy (maybe lazy or unsophisticated), all of the HGVC are in one bucket of points and the bHC points are in a separate bucket. You can just think that you are only borrowing from your LV contracts then. As @HuskerATL has stated, as long as you have sufficient HGVC correct year points available and haven't booked that HW, the HW will be available for booking.

 

[brp]

I don't see it as sloppy (maybe lazy or unsophisticated), all of the HGVC are in one bucket of points and the bHC points are in a separate bucket. You can just think that you are only borrowing from your LV contracts then. As @HuskerATL has stated, as long as you have sufficient HGVC correct year points available and haven't booked that HW, the HW will be available for booking.

Really, it's actually more flexible than DVC since, as noted, points are points. No need to work out the details like DVC.

Cheers.

 

[GT75]

No need to work out the details like DVC.

I heard that DVC has an easy software solution to exchange pts. I wish that HGVC would have an easy method to exchange yearly points.

 

[frank808]

I heard that DVC has an easy software solution to exchange pts. I wish that HGVC would have an easy method to exchange yearly points.

I am wondering what did you mean by this? I own DVC and am wondering what you mean "a software solution to exchange points"?

Sent from my SM-S928U using Tapatalk

 

[GT75]

I am wondering what did you mean by this? I own DVC and am wondering what you mean "a software solution to exchange points"?

Some method that DVC can swap out points instead of our method to cancel and rebook (this is what I have heard, so no personal knowledge).

 

[brp]

Some method that DVC can swap out points instead of our method to cancel and rebook (this is what I have heard, so no personal knowledge).

This can be done by calling but, AFAIK, it's a "favor" like it is with HGVC.

Cheers.

 

[DazedandConfused]

ok, I just thought HGVC points were resort specific like DVC, but because I am paranoid, I booked my home week at Park City (actually today was the first day to lock in next year) so timing was perfect. Then I booked Central at 5th with borrowed points. So it all worked out.

I know HGVC may actually be simpler than DVC, but because i have been a DVC member 20 years, it is hard to understand that points go into a bucket and mix all home resorts with others.

 

[HuskerATL]

ok, I just thought HGVC points were resort specific like DVC, but because I am paranoid, I booked my home week at Park City (actually today was the first day to lock in next year) so timing was perfect. Then I booked Central at 5th with borrowed points. So it all worked out.

I know HGVC may actually be simpler than DVC, but because i have been a DVC member 20 years, it is hard to understand that points go into a bucket and mix all home resorts with others.

I can use all my points right now and the HWs would not be available any longer. If I go out and buy another deed right now with enough associated points, then the HWs of my existing deeds would become available again..... Just a bucket of points.

 

[DazedandConfused]

I can use all my points right now and the HWs would not be available any longer. If I go out and buy another deed right now with enough associated points, then the HWs of my existing deeds would become available again..... Just a bucket of points.

I get the concept, but Park City ski week points are way more valuable than Las Vegas Summer points. But I agree that the HGVC system is simpler and just wondering if people game the system somehow.

I also find it interesting that you can buy insurance for about $100 per reservation and cancel one day out and get all your points back. Disney would never allow that.

 

[HuskerATL]

The system is nothing but a game.... That is the fun.... To see how you can maximize it with minimal cost

 

[dayooper]

I get the concept, but Park City ski week points are way more valuable than Las Vegas Summer points. But I agree that the HGVC system is simpler and just wondering if people game the system somehow.

I also find it interesting that you can buy insurance for about $100 per reservation and cancel one day out and get all your points back. Disney would never allow that.

The deed, which allows you to book Park City during the home season reservation window is more valuable than a Vegas deed for the same amount of points. If you are not using your home week, the points are worth the same, they can get you the same reservation in the club booking window.

I know it seems like I’m wading in minutia, but HGV has made everything so confusing with the acronyms that anybody coming in and reading this shouldn’t be confused with how the points work. With HVC/DRI being a points based system and HGV salesman trying to get people to purchase those points, I believe we should be as clear as possible.

On a happier note, we love the system and its flexibility. @HuskerATL says above, you can game the system to get great value out of your points. We can easily take several smaller trips or one long trip in a huge room so the whole family can join in. That’s with just 2 platinum deeds. It all depends on what we want.

 

[GT75]

@HuskerATL says above, you can game the system to get great value out of your points

I don't view it as "gaming" the system but just using the system as HGVC designed/allows it.

 

[HuskerATL]

I don't view it as "gaming" the system but just using the system as HGVC designed/allows it.

agreed...just like our kid...who thinks he is being sneaky. We have a wifi schedule for school nights so he will sneak out and plug a ethernet cable into one of the access points......not gaming the system but using it as designed...

 

[alwysonvac]

I know HGVC may actually be simpler than DVC, but because i have been a DVC member 20 years, it is hard to understand that points go into a bucket and mix all home resorts with others.

DVC is unique because they allow the usage of banked and borrowed points during the home resort booking window. In order to make that work, DVC needs to manage home resort priority across multiple use years. This requires the management of points at a resort level.

HGVC doesn’t have this issue because banked and borrowed points aren’t allowed for home week reservations.

 

[brp]

But I agree that the HGVC system is simpler and just wondering if people game the system somehow.

Of course. We own points in Vegas and use them in Hawaii.

A big difference between DVC and HGVC is the way the Home Resort Advantage works. And this is why the gaming here works.

For HGVC, one has a Home Resort Advantage from 12 months to 9 months. But this is very restricted in that one must book one week, starting on a specific day, in the purchased season and purchased room type. That makes this somewhat less than desirable and the 9 month period is popular where our Vegas points have the same value as someone owning in Hawaii.

For DVC, the Home Resort Advantage is from 11 months to 7 months. But, within that period, it is completely flexible in terms of length of stay, room type and season. We have used our DVC almost exclusively within this period (usually right at 11 months) because of this flexibility.

Cheers.

 

[alwysonvac]

I get the concept, but Park City ski week points are way more valuable than Las Vegas Summer points. But I agree that the HGVC system is simpler and just wondering if people game the system somehow.

With most timeshare systems, folks have the ability to trade up (aka gaming the system). This is not unique to HGVC and it also occurs with DVC.
Folks have been buying less expensive resorts within timeshare systems or less expensive resorts for trading within the exchange companies for years. Just look at the many threads on TUG.

I used to own 5 different systems (HGVC, DVC, Vistana, WorldMark, and Four Seasons). Every timeshare system has their PROs and CONs. And there are different strategies for each system.

For those who are not familar, with DVC and/or HGVC....
DVC is a true point based system. As a results, their home resort booking window allows the flexibility to use points
HGVC is a week based system. As a result, the home week is based on our deeded weeks.
HGVC only provides points when we give up our home week. Anytime we choose to use HGVC's flexible point system we're giving up a home week reservation.

 

[djyamyam]

As stated above, it doesn't matter. Unlike DVC, you have a pool of points to borrow from. It's not resort specific.

I recognize a few posters have stated this but this isn't quite the case if you have multiple HGVC ownerships where some of them are at affiliated resorts. My affiliated resorts are separate accounts where as my "true" HGVC resorts' points are all pooled. I have current use year's points in my affiliated resorts but if I make a reservation in my "true" HGVC account and I don't have enough current use year points, it will borrow from my future points and not use my other current use year points. I have to specifically call owner services to have a guide move my current year points into my true account to consolidate the pool's points. And I cannot borrow from my affiliated resort's future use year points unless specificially in that account.

 

[HuskerATL]

I recognize a few posters have stated this but this isn't quite the case if you have multiple HGVC ownerships where some of them are at affiliated resorts. My affiliated resorts are separate accounts where as my "true" HGVC resorts' points are all pooled. I have current use year's points in my affiliated resorts but if I make a reservation in my "true" HGVC account and I don't have enough current use year points, it will borrow from my future points and not use my other current use year points. I have to specifically call owner services to have a guide move my current year points into my true account to consolidate the pool's points. And I cannot borrow from my affiliated resort's future use year points unless specificially in that account.

depends on your affiliated property. For instance, our Craig Lodges, which is an affiliate, comes in initially as a fixed week and is automatically booked 2 years out but when you cancel the reservation, the points go into the pooled HGVC account. We use our "Craig points" across HGVC and they are in the same point bucket as our Blvd.

 

[GT75]

My affiliated resorts are separate accounts where as my "true" HGVC resorts' points are all pooled.

If they are all titled the same, then they should be in the same account. Do you also pay club dues for each of the accounts?