Banking and Borrowing Question

[condorthb]

My wife wants to go to Aulani in 2020 and stay in a 2br for 413 (for now) points.

I have 150 October use points.

I would have to bank 150 and borrow 113.

Am I correct that the trip would have to be in 2021?

Bank the 150 2020 points into 2021 and borrow the 113 from 2022?

Or, do I bank my 150 unused 2019 into 2020 and borrow from 2021?

I am probably overthinking this. it's the use year that's confusing me.

 

[JETSDAD]

When are you wanting to travel? Before or after your UY begins? That will affect which UY points will be used or need to be banked/borrowed.

 

[condorthb]

June

 

[JETSDAD]

June

June 2020 falls in your 2019 UY so you would need to bank 2018 and borrow 2020.

 

[condorthb]

Makes sense. I knew I was overthinking it.

Thank you.