Need More Vacation Club Points to Confirm a Reservation? Borrowing — You may borrow Vacation Club Points from the following Use Year when you need them to confirm a reservation. This can be done up to 25 months in advance of the beginning of the Use Year you are borrowing from. Example: If your Use Year begins on May 1, 2021, on April 1, 2019, you may borrow Vacation Club Points into your 2020 Use Year. If you need to cancel the vacation for which you borrowed them, these borrowed Vacation Club Points may be used to plan another vacation prior to their original expiration date. Note that borrowed Vacation Club Points cannot be transferred to another Owner or banked into a following Use Year. To borrow Vacation Club Points, contact Owner Services or go online at MarriottVacationClub.com.