bank borrow and buy points--more confused after talking to DVC please help

[Marionnette]

sorry about all these questions--but I am so confused right now

my dashboard shows aug 2018 zero points--we were just in WDW Jan of this year

aug 2019 points zero used for 2020 trip

so aug of 2019 we will get 88 points that are left over from 2020

we only go once a year for a week

so we use the points we get in aug for the following Jan trip plus we borrow a few from the next year

when we bought into the DVC in Jan of 2016 they also gave us 2015 points so I banked those in march of 2017 and then in aug we got our 100 points for 2017 (or maybe 2018 Im not sure if we go ahead or back with the points which is where some of the confusion comes in)

and with only 100 weve always had to borrow some from the next year--

Im still going to call later and hopefully get someone who can understand what Im trying to do with realloctting the points

thanks again

Okay. From what I can glean from this, you didn’t have any points left in your current UY (Aug 2018) because you used all of them to book the trip you took this past January. Your original post was misleading when you said that you “have 94 left from this year points so I would need to borrow 39 points from next year”.

You had 94 points in your Aug 2019 UY (presumably because you had to borrow from it to make the reservation for this past January, leaving you with less than 100 points). You used those 94 plus another 12 that you borrowed from 2020 to make your next reservation.

You now have 88 points in your 2020 UY. Those points are not coming to you on 08/01/2019. They are 2020 points. You can still use them from 08/01/2019-07/31/2020 if you borrow. But those are your 2020 allotment of points, not your 2019 allotment.

You can continue the way you have been doing things...using whatever points you have remaining in the UY that the reservation falls in and then borrowing what you need from the next UY. Just make sure that you understand what year your points are coming from. Eventually, you’re going to run out of points to borrow but at the rate you are going, assuming that you always use 106 points, it will take over 15 years to do that.

ETA: If you banked any points in March 2017, they had to have been Aug 2016 points, not the Aug 2015 points. You would have been one year too late to bank 2015 points. Unless you took a trip that would used a large number of points in January of 2016, I’m at a loss as to why you are in constant borrowing mode now.

 

[KAT4DISNEY]

sorry about all these questions--but I am so confused right now

my dashboard shows aug 2018 zero points--we were just in WDW Jan of this year

aug 2019 points zero used for 2020 trip

so aug of 2019 we will get 88 points that are left over from 2020

we only go once a year for a week

so we use the points we get in aug for the following Jan trip plus we borrow a few from the next year

when we bought into the DVC in Jan of 2016 they also gave us 2015 points so I banked those in march of 2017 and then in aug we got our 100 points for 2017 (or maybe 2018 Im not sure if we go ahead or back with the points which is where some of the confusion comes in)

and with only 100 weve always had to borrow some from the next year--

Im still going to call later and hopefully get someone who can understand what Im trying to do with realloctting the points

thanks again

I hope what I'm going to write won't confuse more but my hope is to try and clarify your point usage.

FYI - yes, you've used your Aug 2019 points to book your trip that falls in that UY - Jan 2020. Your 2019 UY runs from Aug 1, 2019 to July 31, 2020. You'll be helped if you try and get the calendar year out of your head and get your own "DVC" calendar worked up. It doesn't hurt to first start with the date your UY starts - Aug 1. On Aug 1, 2019 you begin your 2019 UY. On Aug 1, 2020 you begin your 2020 UY. Since you always go in January your 2020 trip is actually in your 2019 UY. Your Jan 2021 trip will be in your 2020 UY. So on this upcoming Aug 1, 2019 you're not getting left over 2020 points but for stays between Aug 1, 2019 and July 31, 2020 you'd have access to borrow those 88 2020 points back. Otherwise those 88 2020 points will show under your 2020 UY and are are valid for stays from Aug 1, 2020 to July 31, 2021. You'll use them to book your Jan 2021 stay plus borrow 2021 points for whatever you're short.

And if you don't mind reading a little more I'd like to back up to the beginning of your DVC purchase. Since you bought in Jan of 2016 you were actually in your 2015 UY at that time which is why your first points were Aug 2015 points. Those were valid for stays from Aug 2015-July 31, 2016. You didn't mention when your very first trip was but if it was in Jan of 2017 that fell in your 2016 UY. You would have needed to bank your 2015 points into your 2016 UY and then you would have had 200 points to use for your Jan 2017 stay which would have fallen in your 2016 UY (points valid for stays from Aug 1, 2016 to July 31, 2017. As you say you've always been borrowing I am hoping that you had a stay prior to Jan 2017 that used up the 2015 points?

Assuming that you did use the 2015 points for something else then you would have used 2016 points plus borrowed a few from your 2017 UY for the Jan 2017 stay. For your Jan 2018 stay that fell in your 2017 UY so you would have used the remainder of your 2017 points and borrowed a few 2018 points. And for your Jan 2019 stay you would have used up your Aug 2018 points and borrowed the few from your 2019 UY.

To outline a little better:

Aug 2018 points - valid for stays from Aug 1, 2018-July 31, 2019.
Could be borrowed back into your 2017 UY for stays from Aug 1, 2017-July 31, 2018 or banked into your 2019 UY for stays between Aug 1, 2019-July 31, 2020.

Aug 2019 points - valid for stays from Aug 1, 2019-July 31, 2020
Could be borrowed back into your 2018 UY for stays from Aug 1, 2018-July 31, 2019. Or could be banked into your 2020 UY for stays between Aug 1, 2020 to July 31, 2021.

August 2020 points - valid for stays from Aug 1, 2020 - July 31, 2021.
Could be borrowed back into your 2019 UY for stays from Aug 1, 2019-July 31, 2020. Or could be banked into your 2021 UY for stays between Aug 1, 2021 to July 31, 2022.

You do have a handle on the face that you can book 11 months out from the check in date of a home resort stay or 7 months out from the check in date of a non-home resort stay. And I think you've actually got the general idea about what UY points can be used but just got a little confused and wanted to clarify and the terminology used was just a little off.

 

[Deb & Bill]

Whenever I plan to make a reservation using points from multiple years or multiple contracts (transfer from one UY to another), I put the entire thing in writing. So I can see in front of my own eyes exactly what I am doing. For example, I had a reservation in March using borrowed Dec 2019 points, current Dec 2018 points and transferred Sept 2018 points. I had to write it all down, look at the calendar just so I could cancel that reservation and then swap out these points for the points I used in a Sept reservation. When I transfer points, I have to write it out to make sure I'm not trying to borrow the transferred points since you cannot borrow transferred points, only use current year or bank them.

 

[Dznypal]

Thanks for all the great helpful responses. It sure helped me out a lot sorry for all the confusion in my first post. I was sort of freaking out at the thought that I had already lost points. Since we only have 100 we have to watch how we use each point. Take care all and thanks again

 

[bumbershoot]

You'll be helped if you try and get the calendar year out of your head and get your own "DVC" calendar worked up.

Yep.

 

[auralia]

unrelated but I have never once been able to get beachclub at 7 months for more than a day or 2 here or there... if you really want it i'd sell the poly points and rent beach club points or find someone that wants to trade points