Banking / borrowing points

[mehall]

Hi everyone......I should know better but I don't.So thanks for your help in advance. We have an Aug use year and had 148 points deposited (borrowed 12) as of 08/01/09. Lets say we bank our points by the deadline 3/31 (I think). My question is if we make plans to go to WDW in Oct '10 for food and wine festival and only use say 100 points do I loose the 48 remaining '09 points that are banked.
Am I better off using all 148 points in Oct "10?
How should I best utilize my points with out loosing any?
thanks...........

 

[Sandisw]

If you currently have 148 points in your account for your 09 UY, and 12 of those are borrowed, then you can bank up to 136 of them by your banking deadline.

Once you bank those points, you will have to use them from Aug 1st, 2010 - July 21st, 2011 or they will expire.

The 12 points that you now have that are "borrowed" points (and I am assuming they came from booking a reservation and then canceling), those must be used by July 31st, 2010 as once they are borrowed, they can not be returned.