Bank to future UY, then borrow from that UY?

[jtkboston]

Planning a stay in UY 2018
I want to bank some points from UY 2017.
I'll have enough points from banking and from the regular allotment UY 2018 to book the room and have some points left over from UY 2018.
I may want to use a few more points in UY2017, but I won't know if I want to do that until after I book the 2018 stay.

If I've banked UY2017 points into 2018, can I still borrow other (normal) UY2018 points into 2017?

 

[miTnosnhoJ]

Yes you can do this. It has some risk because once you borrow, you must either use them or lose them.

 

[KAT4DISNEY]

If you're not at the point where you have to bank you might just book the 2018 stay with all 2018 points and if you decide you do have 2017 points to bank then when you do that you can have MS reallocate those banked points to the 2018 reservation.

 

[disneynutz]

If you're not at the point where you have to bank you might just book the 2018 stay with all 2018 points and if you decide you do have 2017 points to bank then when you do that you can have MS reallocate those banked points to the 2018 reservation.

I get mixed results from MS when trying to do this. There is no written policy so MS doesn't know what's allowed and what's not.

Bill

 

[jtkboston]

If you're not at the point where you have to bank you might just book the 2018 stay with all 2018 points and if you decide you do have 2017 points to bank then when you do that you can have MS reallocate those banked points to the 2018 reservation.

I don't have enough points to book the 2018 stay with only 2018 points.
But I do have enough between 2017 and 2018 points to do the 2018 stay and the 2017 stay that we might book. So I can bank all the 2017 points, use those plus some 2018 points to book the 2018 stay, then borrow a few 2018 points if needed for the 2017 stay.

 

[KAT4DISNEY]

I don't have enough points to book the 2018 stay with only 2018 points.
But I do have enough between 2017 and 2018 points to do the 2018 stay and the 2017 stay that we might book. So I can bank all the 2017 points, use those plus some 2018 points to book the 2018 stay, then borrow a few 2018 points if needed for the 2017 stay.

You can do more than one banking transaction so just bank the 2017 points you need and if you don't use the rest of the 2017 points you can bank them by your banking deadline.

 

[KAT4DISNEY]

I get mixed results from MS when trying to do this. There is no written policy so MS doesn't know what's allowed and what's not.

Bill

Several years ago I'd run into a CM who didn't understand but I haven't had that happen in a long time. It's been done quickly and easily.

 

[BcIcemen]

Just so I understand this correctly. I have 300 points March UY. I have all my 2017 points available. I want to have a big family trip in May 2018.
1. So can I bank my 2017 points when the time comes
2. When I book my trip I use all my 2017 points plus some of my 2018 points
3. In Feb 2018 I decide I want to take a 4 day getaway do I then borrow 2018 points to do this

Just purchased a DVC and am still learning the ropes on banking and borrowing. Thanks for your help

 

[KAT4DISNEY]

Just so I understand this correctly. I have 300 points March UY. I have all my 2017 points available. I want to have a big family trip in May 2018.
1. So can I bank my 2017 points when the time comes
2. When I book my trip I use all my 2017 points plus some of my 2018 points
3. In Feb 2018 I decide I want to take a 4 day getaway do I then borrow 2018 points to do this

Just purchased a DVC and am still learning the ropes on banking and borrowing. Thanks for your help

Yes, that would work.