Borrowing, Canceling, Banking - Experts Please Help!

[MommyTo5]

We currently have an 8-night stay booked this October at BLT using 236 current (October 2009) points and 106 borrowed (October 2010) points for a total of 342 points.

I'm assuming that if we cut our stay back to 3 nights which would cost a total of 125 points, the remaining 217 points will be deposited back into our 2009 use year. My question is... will these points be bankable into our 2010 use year? If so, when would the banking deadline be?

I remember MS saying something to the effect that if the reservation was canceled, the borrowed 2010 points wouldn't return to 2010, but would remain in the 2009 use year. I'm hoping that since the point cost of my reservation would remain more than the initial 106 borrowed points, I'd be okay to bank the rest into 2010.

 

[Sandisw]

If you change your trip at least 31 days in advance, you would ask MS to use the 2010 borrowed points (106) first and then make up the difference for your 3 night stay with your 2009 points.

Once you do that, you can then bank the remainder of your 2009 points into 2010. Since your UY is October, you would have from October 1st, 2009 until May 31st, 2010 to bank those points into your October 2010 UY.

 

[MommyTo5]

Thanks so much, Sandisw!

Now I need to decide if I really want to make the change or not.