banking/borrowing

[Patabel]

This whole banking/borrowing makes my head hurt!

I am planning a trip for the end of next year which involves banking and borrowing. We plan on staying at two resorts. The bulk of the trip will be at our home resort BWV, but we want to start the trip at OKW. Due to the 11 and 7 month window restrictions, I will be making both segments of the trip at BWV to be sure that we have a place to stay in case OKW doesn’t become available to us. When the 7 month window opens for us at OKW, I plan on switching the lead in reservation at BWV to OKW. This will result in lower points used.

I have banked 95 points (which have to be used in 2012), will use all my 2012 points, and will borrow from 2013 (which cannot be returned to 2013 since they are borrowed?).

My question is this: if we end up using fewer points, will I be able to bank the returned 2012 points? Or should I use the banked 95, all of 2013's points, and use only what I need from 2012?

Hope this is clear. First time I'm banking and borrowing at the same time!
TIA for any help!!!!

 

[thepops]

as long as the returned 2012 points are there before your banking deadline you can bank them into 2012.

 

[chalee94]

and will borrow from 2013 (which cannot be returned to 2013 since they are borrowed?).

right. if you bank or borrow pts, they will expire at the end of their new use year (if not used). they cannot be banked forward or otherwise put back into their original use year...banking and borrowing are "final" transactions.

but as noted, if you free up current year (2012) pts prior to the 2012 banking window closing, you can bank those forward.

 

[Patabel]

Thank you very much! Appreciate the answers!