Borrowing points question. I am confused. Please help. Thank you.

[DisneyFansInLINY]

Our UY is August. Currently we are in the 2013 UY but do not have any 2013 points. We have 125 August 2014 points and 22 points that were banked from a point transfer with a February 2013 UY.

So my question is:

If I wanted to use 100 points for an April 2014 trip, I would use the 22 banked points and then some of my August 2014 points? And that would mean that I was borrowing those 2014 points because my UY begins in August correct?

Now if I want to then book a December 2014 trip at 11 months out, could I use the remaining August 2014 points and then borrow August 2015 points?

My confusion stems from this: I understand that you can borrow one year's worth of points. But I am not sure of when you can borrow them. Do you have to wait until you are physically in your UY? Or is it based upon when your trip occurs?

 

[nabi]

I remember when you were shopping for this contract!

All looks correct. For the December trip, just to add, you can use the remaining 2014 points, as it'd still be within your UY.

To borrow, you are just borrowing for a booking. To bank, you can bank whether there is a pending trip planned or not. I think of it that way to help keep it clear.

 

[chalee94]

Our UY is August. Currently we are in the 2013 UY but do not have any 2013 points. We have 125 August 2014 points and 22 points that were banked from a point transfer with a February 2013 UY.

So my question is:

If I wanted to use 100 points for an April 2014 trip, I would use the 22 banked points and then some of my August 2014 points? And that would mean that I was borrowing those 2014 points because my UY begins in August correct?

since the transferred pts have a different UY, yes, that would work.

Now if I want to then book a December 2014 trip at 11 months out, could I use the remaining August 2014 points and then borrow August 2015 points?

a dec 2014 stay is in your aug 2014 UY. so you can use banked 2013 UY + current 2014 UY + borrowed 2015 UY pts for that stay.

My confusion stems from this: I understand that you can borrow one year's worth of points. But I am not sure of when you can borrow them. Do you have to wait until you are physically in your UY? Or is it based upon when your trip occurs?

nothing about UY refers to booking. you can book 11 months out based on your home resort. the date of the stay is what you look at when thinking about UY.

 

[DisneyFansInLINY]

I remember when you were shopping for this contract!

All looks correct. For the December trip, just to add, you can use the remaining 2014 points, as it'd still be within your UY.

To borrow, you are just borrowing for a booking. To bank, you can bank whether there is a pending trip planned or not. I think of it that way to help keep it clear.

since the transferred pts have a different UY, yes, that would work.



a dec 2014 stay is in your aug 2014 UY. so you can use banked 2013 UY + current 2014 UY + borrowed 2015 UY pts for that stay.



nothing about UY refers to booking. you can book 11 months out based on your home resort. the date of the stay is what you look at when thinking about UY.

Thank you both!