How does "banking" float weeks work?

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Original Message:

How does "banking" float weeks work? (by Cheryl S.):

Would you mind elaborating on how RCI has gone from and A+ 15 years ago to an F now. I belong to RCI with a points timeshare purchase about 6-7 years ago. I do find the selection to be small on times and areas that I would like to vacation near home. We now have the opportunity to purchase at a different resort in the same general area ..1 1/2 hours from our home in a high demand 3 season area for $1 and pay the maintenance fee every other year. With this white week/medium demand Studio & Two bedroom Lockout we could put it into RCI as weeks or points or not do any "banking" at this time. Given your experience what do you suggest?