Exactly this. We have our "big" vacation planned for early June (booked at 10 months), and I have no idea what will be happening at this point. I know my options are to cancel now and push those points to 2021 before March 31, or hold onto it and potentially have to deposit to RCI if we need to cancel (either due to external conditions or our choice involving limiting exposure to my mother-in-law in her late 70s). I would be pleased if Wyndham allows for points deposit after the deadline if travel continues to be restricted through mid-year, but I know how my ownership works and what my options will be if current policies remain in place. I can still use my points in some way, even if it's not ideal.
If all your June 2020 travel dates and unit(s) are still available and it’s now within 90 days of when your travel begins, you can:
1. cancel the June 2020 reservation booked with 2020 calendar year points
2. Points Deposit Forward (PDF) the 2020 calendar year points into 2021
3. Rebook your June 2020 reservation dates and borrow from your 2021 calendar use year.
I think the only downside to this besides paying the PDF transaction fee is the pull ahead of 2021 points into June 2020 MAY reduce your 2021 PDF points eligibility if the June 2020 vacation is used or rented.
I don’t know if borrowing 2021 points for a June 2020 reservation can be taken from your 2021 PDF points vs your 2021 regular use year points
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