Points usage

[raghu4yz]

Don't the points expire every year and u get new points in new year.

Is there a good reason to save and keep points than use the points for vacation as intended.

 

[Reddart]

If there was a box for “borrow from 2026 points“, I would have checked that as well.

 

[ljmiii]

Is there a good reason to save and keep points than use the points for vacation as intended.

With HGVC I reverse the advice of Polonius - Neither a saver nor a banker be...do not forget...stay well in debt.

 

[raghu4yz]

If there was a box for “borrow from 2026 points“, I would have checked that as well.

Ok, I added borrow from 2026 points. U can select multiple options... are ur 2024 points over? u had vacation

 

[Reddart]

With HGVC I reverse the advice of Polonius - Neither a saver nor a banker be...do not forget...stay well in debt.

I have to admit, the borrowing of points goes against my psychology…I had to convince myself that it was the right way to go, and not have the feeling “omg, all of my 2025 points are gone, we won’t have any points to travel next year!”

 

[HuskerATL]

That is the nice part about elite premier, you can save any amount any time for free so you don't worry about it. Non-EP folks should be in a borrowing mode to never deal with saving.

 

[raghu4yz]

That is the nice part about elite premier, you can save any amount any time for free so you don't worry about it. Non-EP folks should be in a borrowing mode to never deal with saving.

Taking vacations on time every year... Borrowing mode from next year is best use of timeshares

 

[HuskerATL]

Taking vacations on time every year... Borrowing mode from next year is best use of timeshares

Agreed but when you have about 100k points, there can be years that you don't travel as much so having the ability to save anytime for free is a nice option.

 

[1Kflyerguy]

I go back an forth between borrowing from next year to saving some points to next year. We do a mix of Timeshare (both HGV and MVC), and hotel stays. This year we did a couple weeks in Asia where we used up a lot of Hilton points to stay at a couple of Conrads. We also took friend's to stay with us at MVC resort, so borrowed next years point with that program. I ended up saving some of our HGV points to next year, but have already having planned booking that will consume all of our HGV points next year, and probably borrow some of the 2026 points.

 

[HuskerATL]

I go back an forth between borrowing from next year to saving some points to next year. We do a mix of Timeshare (both HGV and MVC), and hotel stays. This year we did a couple weeks in Asia where we used up a lot of Hilton points to stay at a couple of Conrads. We also took friend's to stay with us at MVC resort, so borrowed next years point with that program. I ended up saving some of our HGV points to next year, but have already having planned booking that will consume all of our HGV points next year, and probably borrow some of the 2026 points.

We also use a lot of Hiltons, mainly in Europe, so less needs for HGVC properties. I think that trend will continue for us so having access to DEX EU helps with that and then use HH points. We don't convert to HH though. It is free to convert for EP members but the cost/pt doesn't necessarily make sense.

 

[Chris-ATX]

We had a small amount of 2024 points left over... but banked them in advance of expected Black Friday point sales... and now have a nice 3 night Elara booked at the end of JAN which was within about 150 points of what we banked. It worked out great for us... Generally, we use all our points and sometimes borrow.

 

[letsgobobby]

Don't the points expire every year and u get new points in new year.

Is there a good reason to save and keep points than use the points for vacation as intended.

we got free 2024 points with two deeds purchased this year so we had far more than we could use. in that context paying $139 to save 20,000 free points was a no brainer

 

[Monkeyboy]

I added some more points this year after our June vacation so we both borrowed and saved.

 

[1Kflyerguy]

We don't convert to HH though. It is free to convert for EP members but the cost/pt doesn't necessarily make sense.

Yea, I have never converted my HGV or MVC points to the hotel programs. I earn my hotel points from travel or credit card spend.

 

[theoriginalAva]

I know it is always better to borrow points than to save but this year I dropped the ball.

Is it worth it to save 3500 HGVC points (expiring 12/31/24) for $239 and 5440 RCI points ($164) or do the fees to save them outweigh their value?



Or Is it better to deposit the 3500 HGVC into RCI for $164 and extend the current 5440 RCI points for $164 - so I'd end up paying $328 total and have all 8900 RCI points for 2025?

Or should I just let them all expire and no more money out of my pocket?


I'm so confused.
Thanks for any help you can give.

 

[HuskerATL]

I know it is always better to borrow points than to save but this year I dropped the ball.

Is it worth it to save 3500 HGVC points (expiring 12/31/24) for $239 and 5440 RCI points ($164) or do the fees to save them outweigh their value?



Or Is it better to deposit the 3500 HGVC into RCI for $164 and extend the current 5440 RCI points for $164 - so I'd end up paying $328 total and have all 8900 RCI points for 2025?

Or should I just let them all expire and no more money out of my pocket?


I'm so confused.
Thanks for any help you can give.

I would look at how you would use them. If the cost to save is less than the cost to book the nights that you want, then it is worth it.

 

[GT75]

Is it worth it to save 3500 HGVC points (expiring 12/31/24) for $239

My average 2025 MF cost is $0.125/pt. So I use that to determine if saving pts is worth it.

 

[Sandy VDH]

With HGVC it is better to be in a borrow position than a save position. Borrow costs nothing, saving costs $$. Price will vary if you do early deposit, vs leaving it to the end of the year. You save money by depositing earlier.

 

[jfleck2020]

We used 10022 out of 10080 points for 2024 so not quite 100% . I also managed to use all but 2 of our 20,000 bonus points so I feel like we have maxed out our vacations to this point. I expect to become a borrower from here on out.

 

[raghu4yz]

We used 10022 out of 10080 points for 2024 so not quite 100% . I also managed to use all but 2 of our 20,000 bonus points so I feel like we have maxed out our vacations to this point. I expect to become a borrower from here on out.

Thats good points management