call disney to see what your options may be? They may let you bank them even though you are past your deadline
This is great advice.
There is a super-secret (double pinky swear)
one-time exception to the banking rules which
sometimes occurs.
Call MS, be humble and nice, admit that the problem is entirely self-inflicted (NOT their fault), and magic
may occur. It doesn't have to, so "nice" is very important.
...or I guess as a last resort you can put them in RCI.
...which is a better alternative than it used to be, now that DVC has added MANY more RCI resorts to the possibilities. If you deposit to RCI, I believe your points can be used for
at least two years from the date of deposit.