Another banking/borrow question

[Llama mama]

If I bank the rest of my 2020 points into my 2021 UY. Then need to borrow points from my 2021 UY to make a reservation in my 2021 UY. I can only borrow 50% of what is sitting total in my 2021UY correct?
I also just need to make sure those banked come first then the 2021 UY points till I reach the 50% mark.
Wanting to book a 2021 Nov trip . If by chance I need to modify or cancel. Where do the banked points go? Back to the 2021 UY?

 

[Sandisw]

When you go to book your 2021 UY trip, it will use banked 2020 UY points first, then 2021 UY points, and borrow up to 50% of your 2022 UY points to finish the reservation..if you need them.

If you had to cancel that trip at least 31 days in advance, all points will be in your 2021 UY. If you are still in your banking window, then you can bank the 2021 UY points, but the banked 2020 UY and any borrowed 2022 UY points will now expire at the end of your 2021 UY.

 

[Llama mama]

When you go to book your 2021 UY trip, it will use banked 2020 UY points first, then 2021 UY points, and borrow up to 50% of your 2022 UY points to finish the reservation..if you need them.

If you had to cancel that trip at least 31 days in advance, all points will be in your 2021 UY. If you are still in your banking window, then you can bank the 2021 UY points, but the banked 2020 UY and any borrowed 2022 UY points will now expire at the end of your 2021 UY.

Wait I am confused then .
UYSept . I will be banking my extra points to use for my 2021UY trip which will hopefully be Thanksgiving 2021. In order to make that reservation I will use my banked 2020 points and points from my 2021 UY. Isn’t it considered borrowing when I make that reservation? I need to make it in Dec 2020 ? Won’t it be borrowing from my 2021 UY to make that reservation? Or because the trip is scheduled for 2021 dec which falls in my 2021-2022 use year it not borrowing and I can use any amount?

 

[Sandisw]

Wait I am confused then .
UYSept . I will be banking my extra points to use for my 2021UY trip which will hopefully be Thanksgiving 2021. In order to make that reservation I will use my banked 2020 points and points from my 2021 UY. Isn’t it considered borrowing when I make that reservation? I need to make it in Dec 2020 ? Won’t it be borrowing from my 2021 UY to make that reservation? Or because the trip is scheduled for 2021 dec which falls in my 2021-2022 use year it not borrowing and I can use any amount?

Nope! Doesn’t matter when you book...only when the trip happens!

So, for a November/December 2021 trip, it is in your Sept 2021 UY...that means you can use banked 2020, 2021, and borrow up to 50% of 2022 to book it when you call/book I n Dec 2020.

Always only worry about when you will travel, and the UY of that trip...that is what determines what points can be used and not when you call/book!

 

[Llama mama]

Nope! Doesn’t matter when you book...only when the trip happens!

So, for a November/December 2021 trip, it is in your Sept 2021 UY...that means you can use banked 2020, 2021, and borrow up to 50% of 2022 to book it when you call/book I n Dec 2020.

Always only worry about when you will travel, and the UY of that trip...that is what determines what points can be used and not when you call/book!

Thank you !!! I am new obviously and that makes so much more sense! I thought goodness I will always be banking and borrowing at 11 months .