Borrowing Points Clarification

[marathonmommy]

Sorry if this is a repeat. I asked this on another thread, but I don't think I made myself clear because I did not understand the answer I got (then again, maybe I'm just REAL slow!) Please help if you can...

I had 154 points left in my use year.

I originally booked a trip in April at OKW for 75 points. (This is not really where I wanted to stay, so I got put on a wait list.)

I also booked a trip to BWV in August for 68 points. This means I would have 11 points to bank for the next UY.

However...
my 3rd choice of waitlists came through for the April trip at VWL. This costs more points than 75 - 20 more points in fact . . . for a total of 95. This means the points I had planned to bank now needed to be used. In addition, I had to borrow 9 more points from the next UY.

Here is the question:
Let's say for some reason I need to cancel the August trip . . .
Recall I needed to borrow 9 points for the April trip . . .

Scenario A
Use the 9 borrowed points for the April trip and bank all of my points originally allocated for the August trip? (I sure hope so, even though it doesn't seem like I really borrowed anything.)

Scenario B
If my 1st choice of April trips comes in, BWV Standard, then I really didn't need to borrow at all. Can I say I am and reallocate the other points to the August trip and bank what is left over?

Am I making sense at all? I had to make a split second decision with the CM on the phone . . . I borrowed without really thinking it through I think.

 

[CarolMN]

Sorry if this is a repeat. I asked this on another thread, but I don't think I made myself clear because I did not understand the answer I got (then again, maybe I'm just REAL slow!) Please help if you can...

I had 154 points left in my use year.

I originally booked a trip in April at OKW for 75 points. (This is not really where I wanted to stay, so I got put on a wait list.)

I also booked a trip to BWV in August for 68 points. This means I would have 11 points to bank for the next UY.

However...
my 3rd choice of waitlists came through for the April trip at VWL. This costs more points than 75 - 20 more points in fact . . . for a total of 95. This means the points I had planned to bank now needed to be used. In addition, I had to borrow 9 more points from the next UY.

Here is the question:
Let's say for some reason I need to cancel the August trip . . .
Recall I needed to borrow 9 points for the April trip . . .

Scenario A
Use the 9 borrowed points for the April trip and bank all of my points originally allocated for the August trip? (I sure hope so, even though it doesn't seem like I really borrowed anything.)

When you booked the VWL April trip, you borrowed points to do it. The borrowed points are associated with the April booking. They will be used for that trip.

If you cancel the August trip (even if you cancel it before you take the April trip), all the points used for that August trip will be returned to your account. The borrowed points will still be used for the April trip.

If your banking deadlines permit, you may bank the points from the cancelled August trip. (I assumed that if you cancel, you would do it 31 days or more in advance so that the holding account rules do not come into play).

Scenario B
If my 1st choice of April trips comes in, BWV Standard, then I really didn't need to borrow at all. Can I say I am and reallocate the other points to the August trip and bank what is left over?

Am I making sense at all? I had to make a split second decision with the CM on the phone . . . I borrowed without really thinking it through I think.

If you actually booked the VWL for April, you had to borrow to do it. That's now a done deal. The borrowed points are associated with that reservation and remain associated with that reservation unless you cancel it.

Let's say that the BWV standard does come through for you for the April trip. MS will cancel the VWL reservation and then make the reservation for the BWV. The cancelled VWL reservation means the points used for it return to your account (9 borrowed and 84 current year). Since the 9 borrowed points must be used by the end of the use year, just tell MS to use them up first to make the new reservation (for the BWV standard). Any points leftover will be current year points and they may be banked (subject to your banking deadlines).

HTH.

Best wishes -

 

[marathonmommy]

Thanks, Carol. That is good news and what I had hoped to hear.