Borrowing for future UY trip- what year are points "stuck" in?

[disprincess2213]

I am trying so hard to understand this!! I've read and understand the UY post by an having trouble understanding this scenario.

I have an oct UY.

If I want to book a Dec. 2015 trip (I have to book in January 2015 at my 11 month window), can I borrow the points from 2015? Say I "borrow" 200 points from my October 2015, what use year are those points "stuck" in? I know My oct 2015 points are good oct1 2015-sept 30,2016.

But are these points borrowed for the 2015 use year? So if for whatever reason I had to cancel or modify, what year do these points fall into?

I guess the real question is, is borrowing and banking defined by the actual trip date or by the time of booking?

 

[CarolMN]

Actual trip date. You are not borrowing points for a December 2015 trip if you use the points from your October 2015 use year.

Booking date has nothing to do with the points used to pay for a trip. Paying is based on the dates of your vacation.

 

[RobDoc]

Your October 2015 Use Year is valid for stays from 10/1/15 - 9/30/16. There is no need to borrow any points from your 2015 Use Year as they will be current points during that date range.

Your options for December 2015 are to use points banked from your 10/14 Use Year, points current in your 10/15 Use Year or to borrow points from your October 2016 Use Year. You do NOT need to use any points from 2014 unless you choose to do so.

The points used are based on the points available at the time of the reservation, not on the points current when you make the reservation. Your Dec 2015 reservation may be made in January, 2015 at your Home Resort based on availability.

 

[disprincess2213]

So to book my December 2015 trip (in January 2015 when I plan on booking exactly at 11 months), will the system let me use those points in the 2015 Use year to book it before using the 2014 points I will have available? Even if these points are not "available" until 2015? Does it give me this option to use the 2015 points before the 2014 points??

And whenever I want to book a trip at 11 months out, as long as that trip falls AFTER October 1 of that year, even though Im booking before those points are active, it is NOT borrowing, rather just booking a stay in that use year?

Also, If I do any modifying/cancelling to this December trip (as long as its 31 days before check in, there will be no penalty or risk of losing these points because the points arent borrowed or anything, just within that current use year?

 

[disprincess2213]

OK OK!! Nevermind!! I just logged in and tried to book a stay in 2015 and see hta the only points that I CAN in fact use are the 2015 points, and thats because I havent banked the 2015 ones yet!! I THINK I GOT IT!!!

My only other question, as asked in the above post, is if I were to modify or cancel that December reservation as long as its more than 31 days before check in, there is zero penalty of losing or jeopardizing those points?

Thank you again everyone!!

 

[rlovew]

OK OK!! Nevermind!! I just logged in and tried to book a stay in 2015 and see hta the only points that I CAN in fact use are the 2015 points, and thats because I havent banked the 2015 ones yet!! I THINK I GOT IT!!!

My only other question, as asked in the above post, is if I were to modify or cancel that December reservation as long as its more than 31 days before check in, there is zero penalty of losing or jeopardizing those points?

Thank you again everyone!!

Yes- even if you cancel 31 days out and are using current points since you banking deadline isn't till the spring you could even still bank them into your 2016 use year if you weren't going to travel during that use year.