Banking and borrowing question

[jelliott04]

Hi all. I would appreciate some help on my current situation.

Hypothetically speaking we get a resale 100 pt contract. It comes with 100 pts banked from 09 which need to be used by Dec 2011.

I have a trip coming up in Oct (AKV Studio Value) and one scheduled in March (1BR AKV Value) and at 11 months I'll book Oct 2011 (1BR AKV).

Let's see if I can get my question out. I can't remember exactly which vacations, but we borrowed from our Dec 2010 points and have 18 left.

If we get a resale with 100 banked 09 points...what would be my strategy for using them?
Could I switch an upcoming trip to the new 100 points?
What would happen to the points that I "used" for the March trip?
Would they be returned to 2010 or would they go into holding?

Would I then bank the resale reg 2010 points to use by 2012? Is that right?

Ideally I'd switch out the resale 09 points for my March trip and put those points back into my regular 2010 account but I'm guessing it wouldn't be that easy even if I could get a similar ressie.

Jen

 

[jelliott04]

Just a follow up.

My March trip was made using 2010 points so they were not borrowed. If I got a "loaded" contract, I could potentially make a new ressie with the resale 09 points and then my March points would go back into 2010 and be banked if we don't go next Oct.

Whew! Why can't Disney just switch the points out and make it easy????

J

 

[chalee94]

Could I switch an upcoming trip to the new 100 points?

IF you are buying an AKV contract (with the same home resort window as the pts currently used), i believe MS can switch out the pts.

otherwise, you can cancel and rebook if there is availability. (the reservation number may remain the same but you can't swap out pts from another resort at 7 months to avoid the home resort restriction.)

What would happen to the points that I "used" for the March trip?
Would they be returned to 2010 or would they go into holding? Would I then bank the resale reg 2010 points to use by 2012? Is that right?

they would only go into "holding" status if you canceled less than a month out. otherwise they go back into your 2010 UY - if they are current 2010 pts and you are still within your banking window, they can be banked.