Borrowing & Banking Q's

[csmommy]

I have never had to borrow or bank points before & am unsure if I can do this. If I "borrow" some 2012 points to make my 2011 ressie, what if I decide to change the reservation to use less points? Can I put them back (bank I guess) to use in 2013?

 

[Sandisw]

No, once points are borrowed, they stay in the UY in which they are borrowed and must be used by the end of that UY.

What you can do, however, if you are still in the banking window, bank the current UY points that were part of the reservation.

Hope this makes sense.

 

[csmommy]

Thanks for the answer, but I am confused...........I suppose that is why I have never tried to borrow & bank. Just not smart enough!

This is what I what to do, not even sure if it is doable.

We get 70 points every year & go to WDW every 2 years on 140 points - which pretty much works for us.

We have a ressie at our home resort, OKW from 8/9 - 8/17. In the perfect world we would like to change it to 8/9 - 8/13 at VWL & 8/13 - 8/16 at BLTSV which would cost us 149 points & I would buy the 9 points from DVC.

The most important part is the BLT SV from 8/13-8/16 for DD's b-day, so I thought - what if they only have LV now? I could borrow from 2012 & hope that BLT SV opens up & then just bank the points for our 2013 trip.

Does this make sense? Any suggestions on how to do this?

 

[CarolMN]

If the std view at BLT waitlist comes through, just ask the MS to reuse all of the borrowed points and the purchased points for the new SV reservation. Then the points that are returned to your account will be current use year points. Assuming you have not passed your banking deadline at that time, you can bank the extra points.

Before you buy the points from DVC, ask the CM to use them on the reservation that you are NOT going to be canceling - i.e., use them for the VWL reservation. If you think the purchased points will end up on the BLT LV reservation because the VWL reservation must be made first), make sure that you can reuse them on the SV reservation if it comes through. I am not entirely sure what the rules are for purchased points, other than you can't bank, borrow or transfer them and can't buy them until the 7 month window opens.

Good luck - hope your DD's birthday is spent at BLT!

 

[Sandisw]

Thanks for the answer, but I am confused...........I suppose that is why I have never tried to borrow & bank. Just not smart enough!

This is what I what to do, not even sure if it is doable.

We get 70 points every year & go to WDW every 2 years on 140 points - which pretty much works for us.

We have a ressie at our home resort, OKW from 8/9 - 8/17. In the perfect world we would like to change it to 8/9 - 8/13 at VWL & 8/13 - 8/16 at BLTSV which would cost us 149 points & I would buy the 9 points from DVC.

The most important part is the BLT SV from 8/13-8/16 for DD's b-day, so I thought - what if they only have LV now? I could borrow from 2012 & hope that BLT SV opens up & then just bank the points for our 2013 trip.

Does this make sense? Any suggestions on how to do this?

I think its a little hard to say yes or no without knowing that your UY is. Any points borrowed from 2012 UY into your 2011 UY would have to stay there. Any 2011 UY points that you are currently using in your reservation could still be banked, if the lower point cost room comes through.

The issue is that you say you want to use them in 2013. Will the 2013 trip take place in your 2012 UY or your 2013 UY? If it is your 2013 UY, those banked 2011 trips will expire before then.

So, knowing what UY you own might help to clear it up!