2 Use Years-What do I need to know?

Ok so when you do a transfer the points keep their original UY, correct? So if I had 100 points in an April UY and 100 points in a June UY at the same resort and I wanted to book a May trip that costs 116 points, I could use the 100 April points and then transfer 16 from the June UY but those 16 points would keep the June UY right? So if I had to cancel the May trip I would end up losing them. Is that correct?
Yes, they will keep the same UY and home resort priority.
 
Wait, I'm trying to wrap my brain around this. If you are short points (meaning you used all of your Sept AND Dec points), wouldn't you have to borrow from next year anyway? I'm really wanting to understand this, because we are wanting more HHI points soon. We have a June UY and will continue traveling with family in the summer or fall, but we want to travel in the spring just the two of us. I thought the best option would be to sell our two small contracts and buy a larger contract with an April UY. But I'm wondering to avoid the hassle of selling and rebuying, if it would be best to just buy the additional points we want with an April UY, meaning we would have 2 different UYs.
If I am short points in my Sept contract to make a reservation, I can transfer from the Dec contract as long as the trip is Dec or later. I'd have to use a transfer to use points from both my Sept and Dec year or make two separate reservations.

"meaning you used all of your Sept AND Dec points". Nope, just the Sept for a Jan trip. So I would be borrowing from the Sept next UY if I wanted to borrow. For example, say I want to book a trip for Jan 2021 in Feb 2020. Both the Sept and Dec contracts are the same resort where I want to make the reservation at 11 months out. I have 175 Sept 2020 points for a Trip in Jan 2021, but I need 200 points. I can't purchase 25 one time use points; the limit is 24. So I transfer 25 from my Dec 2020 contract. to make that reservation for Jan. Jan 2021 comes after Dec 2020, so the transferred points were not borrowed. I didn't need to borrow from my Sept 2021 contract and I couldn't transfer Dec 2021 points because they would need to be borrowed and you cannot borrow transferred points.
 
If I am short points in my Sept contract to make a reservation, I can transfer from the Dec contract as long as the trip is Dec or later. I'd have to use a transfer to use points from both my Sept and Dec year or make two separate reservations.

"meaning you used all of your Sept AND Dec points". Nope, just the Sept for a Jan trip. So I would be borrowing from the Sept next UY if I wanted to borrow. For example, say I want to book a trip for Jan 2021 in Feb 2020. Both the Sept and Dec contracts are the same resort where I want to make the reservation at 11 months out. I have 175 Sept 2020 points for a Trip in Jan 2021, but I need 200 points. I can't purchase 25 one time use points; the limit is 24. So I transfer 25 from my Dec 2020 contract. to make that reservation for Jan. Jan 2021 comes after Dec 2020, so the transferred points were not borrowed. I didn't need to borrow from my Sept 2021 contract and I couldn't transfer Dec 2021 points because they would need to be borrowed and you cannot borrow transferred points.
Ok thanks for the explanation. I understand. It sounds like I’d be better off selling and buying a different UY instead of having 2 different UYs since my plans are to travel right before my original UY starts.
 
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As Lorana said - transfer points retain their original UY and Home Resort.
 




















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