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Listen in as we unravel the complexities of Disney Vacation Club's holding accounts and arm you with strategies to make the most of these challenging situations. We'll explore the specific scenarios that lead to points landing in a holding account, such as late cancellations or modifications, and discuss the limitations imposed on these points, like booking restrictions and the inability to bank or borrow. I'll share invaluable insights and four clever tactics to help you use your points before they're gone, including the intriguing 'DVC point shuffle.' It's a treasure trove of information essential for every DVC member looking to navigate their membership with finesse.