Borrow, then bank?

[Simba's Mom]

We want to make a reservation for a 2 BR at BCV in October 2012, but we don't have enough BCV points, so we'll have to borrow frrom our 2013 UY. If the family trip gets cancelled, can we return those points to our 2013 UY or do they have to be used in 2012?

 

[LisaS]

Borrowing is a final transaction. If you borrow points from your 2013 UY for a trip in your 2012 UY and then cancel that reservation, the borrowed points remain in your 2012 UY and will expire at the end of that UY if not used.

 

[pinky]

I have another question to add to that scenario....
What happens to the 2012 UY points from the cancelled trip? I know they get returned into that use year, but can they then be banked?

 

[LisaS]

I have another question to add to that scenario....
What happens to the 2012 UY points from the cancelled trip? I know they get returned into that use year, but can they then be banked?

If the trip is cancelled 31 days or more prior to check in and the OP is still within her banking window (first 8 months of her UY) then yes, the 2012 points can be banked into her 2013 UY. If the trip is cancelled during the last 4 months of her 2012 UY, the points cannot be banked and must be used prior to the end of that UY. If the OP cancels the trip 30 days to 1 day from check in (regardless of when this occurs within her UY), the points go into the Holding Account and are not bankable and can only be used to book something 60 days or less prior to check in. If the OP cancels on her check-in day, all points are forfeited.