Borrowed points

[DVCsloth]

Never ran into this before. Booking a 2023 trip right at 11 months. We need additional points, they are giving me the option of borrowing 2024 points. Not sure why I wouldn't borrow 2023 points?
Going to call member services in a little while.

 

[Mexacajun]

Never ran into this before. Booking a 2023 trip right at 11 months. We need additional points, they are giving me the option of borrowing 2024 points. Not sure why I wouldn't borrow 2023 points?
Going to call member services in a little while.

Is the booking before your next use year?

 

[DVCsloth]

Is the booking before your next use year?

No, it's after.

 

[thanxfornoticin]

When is your use-year? Sounds like you're booking for June, 2023. If you're use-year is before July, you'll have access to all your 2023 points and the ability to borrow 2024.

 

[CarolMN]

Going to call member services in a little while.

MS is closed today. - July 4 Holiday.

What is your use year? You can borrow 2024 points if you are booking a Vacation that falls within your 2023 use year.

 

[Marionnette]

No, it's after.

It sounds like the reservation would fall in your 2023 UY. Keep in mind that the day that you're online making your reservation does not determine which UY's points get used. It's determined by the dates during which the reservation falls.

If you're booking for June 2023 and you have a February, March, April or June UY, then the reservation is in your 2023 UY. You can borrow 2024 points to complete the reservation or you can bank 2022 points if you have any.

 

[DVCsloth]

MS is closed today. - July 4 Holiday.

What is your use year? You can borrow 2024 points if you are booking a Vacation that falls within your 2023 use year.

I have a March use year and I have all of my 2022 points. Booking is for June 2023 and I'm short 23 points. I'm wondering why it shows me the option to borrow 2024 point or bank my 2022 points.

 

[DVCsloth]

It sounds like the reservation would fall in your 2023 UY. Keep in mind that the day that you're online making your reservation does not determine which UY's points get used. It's determined by the dates during which the reservation falls.

If you're booking for June 2023 and you have a February, March, April or June UY, then the reservation is in your 2023 UY. You can borrow 2024 points to complete the reservation or you can bank 2022 points if you have any.

Yes, that's what it is showing me. Just wondering why, it wouldn't give me the option of using 2023 points?

 

[Marionnette]

Yes, that's what it is showing me. Just wondering why, it wouldn't give me the option of using 2023 points?

It is using the 2023 points. It isn't using your 2022 points because they are not valid for June 2023 dates unless you bank them. Your March 2022 points are only good for reservations that fall between March 1, 2022 - February 28, 2023.

If you bank your 2022 points, they will get moved into your 2023 UY and will be good for reservations falling between March 1, 2023 - February 29, 2024.

 

[DVCsloth]

It is using the 2023 points. It isn't using your 2022 points because they are not valid for June 2023 dates unless you bank them. Your March 2022 points are only good for reservations that fall between March 1, 2022 - February 28, 2023.

If you bank your 2022 points, they will get moved into your 2023 UY and will be good for reservations falling between March 1, 2023 - February 29, 2024.

I get it,
Thank you

 

[Sandisw]

Remember, its all about UY of the trip and not when you call. All points have to be in the correct status to use them.

So, a 2023 trip is in the March 2023 UY…which means banked 2022, 2023, and borrowed 2024…up to 50%.

If the 2022 points are not yet banked, then they are not yet eligible for use. That must be done first.

 

[shreddedshoe]

Hello all. This thread is very helpful, but another question/scenario in this vein…I’m hopefully soon to be a new DVC member…in ROFR now on a 100pt BC contract. It will be an October UY. Full 2022 and forward points, none from 2021. If all goes well, I would like to book a short trip in April 2023, that will most likely use all of the 2022 pts and borrow a few from 2023. I also plan on booking a weekend trip for November 2023. The April trip would be non home resort and November would be home, so using 11 mo window. I understand that the April trip would fall within my 2022 use year and the November trip would be in the 2023 use year. My question is, for the November 2023 trip, would I be able to borrow from 2024? I already need more pts!

 

[DisneyRegulars]

Hello all. This thread is very helpful, but another question/scenario in this vein…I’m hopefully soon to be a new DVC member…in ROFR now on a 100pt BC contract. It will be an October UY. Full 2022 and forward points, none from 2021. If all goes well, I would like to book a short trip in April 2023, that will most likely use all of the 2022 pts and borrow a few from 2023. I also plan on booking a weekend trip for November 2023. The April trip would be non home resort and November would be home, so using 11 mo window. I understand that the April trip would fall within my 2022 use year and the November trip would be in the 2023 use year. My question is, for the November 2023 trip, would I be able to borrow from 2024? I already need more pts!

Yes, you will be able to borrow 2024 points for your November 2023 trip.

 

[shreddedshoe]

Yes, you will be able to borrow 2024 points for your November 2023 trip.

Great! Thank you!