HGVC - System Not Taking Points from Oldest Year

[Terry D]

I recently made a HGVC reservation for March/26 and it took the points from my 2026 balance, yet there are still enough points available in 2025. I assumed the system automatically took the points from the oldest year and it would take them from the 2025 balance. Is that a correct assumption that the points should have been taken from the 2025 balance?

 

[letsgobobby]

only if you first saved 25 points to 26.

 

[brp]

only if you first saved 25 points to 26.

And paid to do so, of course

Cheers.

 

[Sandy VDH]

That is only true for RCI bookings made via HGVC. HGVC booking come from the use year of the reservation. So deposit first, if you are not planning on using them all, then make the reservation.

 

[pedro47]

Eaonly if you first saved 25 points to 26.

Sound liked you must save more than 25 points to be use in the year 2026. Before the points for the year 2025 are used. Is this correct?

 

[Janann]

Deleted.

 

[Terry D]

That is only true for RCI bookings made via HGVC. HGVC booking come from the use year of the reservation. So deposit first, if you are not planning on using them all, then make the reservation.

Ah, that explains my confusion. I make both club points reservations and RCI exchanges with my HGVC account. So if I make an RCI exchange for a vacation in 2026, it will deduct from the 2025 balance. If I make a reservation using club points for a vacation in 2026, it will deduct from the 2026 balance. Any thoughts on why the system would not just deduct points from the earliest year (in this case 2025) for both types of transactions?

 

[dayooper]

Ah, that explains my confusion. I make both club points reservations and RCI exchanges with my HGVC account. So if I make an RCI exchange for a vacation in 2026, it will deduct from the 2025 balance. If I make a reservation using club points for a vacation in 2026, it will deduct from the 2026 balance. Any thoughts on why the system would not just deduct points from the earliest year (in this case 2025) for both types of transactions?

Because the HGVC system only books using points from that year or, if borrowing, the following year. Technically, saved points are now counted as points in the year they were saved into. Since it costs money to save, they won’t pull from that pile of points in look Rea’s they’ve you have paid to save them.

 

[Sandy VDH]

Ah, that explains my confusion. I make both club points reservations and RCI exchanges with my HGVC account. So if I make an RCI exchange for a vacation in 2026, it will deduct from the 2025 balance. If I make a reservation using club points for a vacation in 2026, it will deduct from the 2026 balance. Any thoughts on why the system would not just deduct points from the earliest year (in this case 2025) for both types of transactions?

You have to pay to save them. HGVC wants their funds first.

With HGVC it is always better to borrow from the next year, which is NO cost, vs Save points into next year, a FEE. Become a HGVC borrower.

My Holiday Inn is the opposite. It saves points for the next year at no cost, but you get charged to borrow. You just need to now how each system works and how it works with exchange companies.

 

[geist1223]

I like the Worldmark System in many ways. Credits (Points) are issued yearly on your Anniversary Date (ours' is August 1). Then they are good for about 25 Months after being deposited into your Account. You do not have to do anything for them to roll over. You can Book up to 13 months in advance. So Credits issued 1 August 2025 have to be placed into a Booking by 31 August 2027. Then because you can Book up to 13 month in advance that Booking must start NLT 30 September 2028. You can also borrow 1 year in advance for no fee. So for about a 30 day period it is possible to have access to about 4 years of Credits. House Keeping Credits follow they same time line. Also the Timelines for Booking concern the 1st day of your Reservation not the last day.

 

[brp]

My Holiday in is the opposite. It saves points for the next year at no cost, but you get charged to borrow. You just need to now how each system works and how it works with exchange companies.

And DVC has no charge to Bank (Save) or Borrow.

Cheers.

 

[SmithOp]

Any thoughts on why the system would not just deduct points from the earliest year (in this case 2025) for both types of transactions?

Well, because HGV loves fees, simple answer, and it's been in the club rules forever.

RCI reservation points are taken manually a few days after you reserve, so it's easier to take the oldest first, which is also explained in the club rules.

 

[cd5]

And DVC has no charge to Bank (Save) or Borrow.

Cheers.

Nor does Embarc.

 

[mountainboy]

I like the Worldmark System in many ways. Credits (Points) are issued yearly on your Anniversary Date (ours' is August 1). Then they are good for about 25 Months after being deposited into your Account. You do not have to do anything for them to roll over. You can Book up to 13 months in advance. So Credits issued 1 August 2025 have to be placed into a Booking by 31 August 2027. Then because you can Book up to 13 month in advance that Booking must start NLT 30 September 2028. You can also borrow 1 year in advance for no fee. So for about a 30 day period it is possible to have access to about 4 years of Credits. House Keeping Credits follow they same time line. Also the Timelines for Booking concern the 1st day of your Reservation not the last day.

Yup; I liked the simplicity of WM (+ no difference between difft memberships, except number of credits; same MFs for everyone, as NO deeds, no difft MFs, as in HGVC + MFs cannot be hiked by >5% per year, in bylaws, + no reservation fees, even at the peasant level (= no Elite), hence I started purchasing a WM modest membership in December, but the process does take a very long time (as compared to HGVC, which is MUCH, MUCH faster).

+ I got excellent mentors, here at HGVC forum at TUG, so love my HGVC journey!

WM has excellent presence around NPs (Yellowstone, Moab, Estes, WA/OR etc) but can be a real pain to get into some places like Hawaii. HGVC has excellent availability in Hawaii.

So, nice to have a bit of various TS's, to access different locations but need to know nuances of various TS systems, to use them efficiently, per one's time/$/vacay preferences...

 

[letsgobobby]

Yup; I liked the simplicity of WM (+ no difference between difft memberships, except number of credits; same MFs for everyone, as NO deeds, no difft MFs, as in HGVC + MFs cannot be hiked by >5% per year, in bylaws, + no reservation fees, even at the peasant level (= no Elite), hence I started purchasing a WM modest membership in December, but the process does take a very long time (as compared to HGVC, which is MUCH, MUCH faster).

+ I got excellent mentors, here at HGVC forum at TUG, so love my HGVC journey!

WM has excellent presence around NPs (Yellowstone, Moab, Estes, WA/OR etc) but can be a real pain to get into some places like Hawaii. HGVC has excellent availability in Hawaii.

So, nice to have a bit of various TS's, to access different locations but need to know nuances of various TS systems, to use them efficiently, per one's time/$/vacay preferences...

is it hard to get into WM in popular locations?

 

[mountainboy]

is it hard to get into WM in popular locations?

*Can be, esp Hawaii (although HGVC has excellent coverage at HI, esp BI & Oahu; Maui via MBV & DeX; Kauai via DeX, so don't need WM for that)...

Looking at 13mo, Yellowstone, Moab, Estes, Depoe Bay, Olympic NP (Discovery Bay), Seaside, Gleneden etc were all open for July 4th, 2026. They DO get booked quickly though & once booked, availability is much tighter (for closer in); Waitlists do work (as many folks speculatively book, as no cancelation fee, until 2 weeks before stay, and no reservation fee, no guest certificate fee, per 10k credits (= usual 2 BR, 1 week stay at most places for peak season).

+ can book WM, as long as 1st day of reservation is within 13 mo; so even today, can book from July 1st thru July 15th, 2026, if I have the 'credits' (= pts in HGV lingo) etc)..

If staying shorter stays, WM dings you with HK fees (so may do their version of cash stays, which does not use HK tokens)

+ WM DOES charge for wifi (thru 3rd party resortnet); as these are remote locations, often cell signal patchy & need wifi, if need to do some work, for us worker bees (+ wifi may be unreliable, close to NPs)...

 

[JohnnyO]

Similar issue different circumstances. Hopefully I can get answers here instead of creating a new post.

I am Legacy HGVC EP. So I can book reservations and cancel up to 31 days out with no penalty nor additional fees. So I have several reservations tying up 2025 points. I may use all of them, maybe not. I will likely cancel some of them. I need to make more 2025 reservations but will need to borrow 2026 points to do some of it. Am I able to change the 2026 points used in a 2025 reservation to 2025 points as I free up the points via 2025 cancelations? Do I have to call in and have them do the switch? Will I have to cancel the 2025 reservation (which is also using the 2026 points) and then rebook it using the 2025 points? I may not want to chance doing it on-line as someone might snag the dates.

Thank you for your advice...

 

[brp]

Similar issue different circumstances. Hopefully I can get answers here instead of creating a new post.

I am Legacy HGVC EP. So I can book reservations and cancel up to 31 days out with no penalty nor additional fees. So I have several reservations tying up 2025 points. I may use all of them, maybe not. I will likely cancel some of them. I need to make more 2025 reservations but will need to borrow 2026 points to do some of it. Am I able to change the 2026 points used in a 2025 reservation to 2025 points as I free up the points via 2025 cancelations? Do I have to call in and have them do the switch? Will I have to cancel the 2025 reservation (which is also using the 2026 points) and then rebook it using the 2025 points? I may not want to chance doing it on-line as someone might snag the dates.

Thank you for your advice...

You may need to call in, but one thing worth trying (I think I tried once with mixed results) is to "change" your current reservation to the same dates and see if it picks up the 2025 points. Or, you may need to add then drop a day, if available. But I would not try cancelling on your own for the reasons you mention.

Cheers.

 

[GT75]

Am I able to change the 2026 points used in a 2025 reservation to 2025 points as I free up the points via 2025 cancelations? Do I have to call in and have them do the switch?

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[JohnnyO]

Ok I went to shuffle my reservation now that I have some of my 2025 HGVC points back in my account only to find out the the Hokulani is a non-changeable reservation. So I guess I need to call a CSR to do this vs. risking on-line cancelation.

Why is the Hokulani, Waikiki, a Hilton Grand Vacations Club non-changeable?

Edit ... so I called and the CSR cancelled and rebooked with 2025 points. Now it is changeable as well. The explained reason it wasn't changeable before was because it was allegedly booked as a 7 night Elite stay reservation which there is no reservation fee. Well I'm EP so I don't pay a reservation fee anyway. The CSR says I chose to book it that way ... I don't remember making any choice about that as I have no concern about reservation fees. Next time I will pay closer attention to see if there is some checked box for this choice. Anyone else have this experience?

 

[GT75]

Why is the Hokulani, Waikiki, a Hilton Grand Vacations Club non-changeable?

Since you are EP, did you make it for a week? If so, then that is a problem with the booking system. It actually is easier to have CSR cancel and rebook.