banking points -- advice needed

[tigger2esq]

Newbie Banking/Borroing question: DH and I have a March use year--so we will need to Bank our points for 2002 by the end of August if we want to bank 100% (or more than 50%). We currently have over 75% of our 2002 points left. Here is my delimma-- DH currently says NO DISNEY until October 2003. Under this scenario--before August 2002 we should bank all of our remaining 2002 points. No problem. Issue--what if he changes his mind and we decide to go in January? We wont be able to get our 2002 points back for that trip right? however, can we borrow from our 2003 points?? some day I am sure I will get the hang of this!!!

 

[dianeschlicht]

If you have banked all your points for 2002, you can borrow from 2003, but remember that whatever you bank MUST be used the next year!