Borrow then not borrow

[hudakjr]

Hi
I’m booked for marathon weekend but we have decided to invite my in-laws, so I will have to add another studio or upgrade to 2 bedroom. In order to do that I will need to borrow some points.
But if I do another resort at the 7 month mark I will have enough points. I’m pretty confident that I will get what we want at 7 month mark (either Saratoga studios or old key west studios).
So what happens if I book now with borrowed points and then change to not borrowing points? Will the borrowed points go back to 2023 use year?
Thanks

 

[Sandisw]

They will stay in the UY of the trip as it’s a final transaction. But, they will be used up first so you can bank your 2022 points assuming you are in the banking window still when you change.

 

[hudakjr]

Thanks!