Borrowing Points Question

[DisneyStarWisher]

We have always been bankers, not borrowers. But the time has come for us to do some borrowing. I still struggle some with how the system works as far as putting your contracts in the order you want to use them, but it's really fuzzy when you throw borrowing into the mix. Hopefully someone can help.

I am wanting to book two nights at the Poly for our February trip for a total of 50 points. Here's what I have remaining:
AKV--
2021: 18
2022: 80 (can borrow only 30 more)

HHI--
2021: 0
2022: 100 (can borrow only 50)

I would like to use the 18 AKV points plus borrow 7 from AKV 2022 and then borrow 25 from HHI 2022. I'm wanting to leave 75 HHI 2022 points to book a HHI summer trip for next year. But I don't think I can do that, can I? I don't think the system will let me borrow a few from one contract and then a few from another. Or will it? The other day when I borrowed, I remember having to manually enter the number of points I wanted to borrow. It only showed one contract to borrow from, but that was because I was nearly 11 months out. If you are within 7 months, will it show all of your contracts and you can manually enter how many points you want to borrow from each??? If this can't be done...

I'm thinking I have two options:
1. Book the two Poly nights separately (25 each). For one night, use the 18 AKV points plus borrow 7. For the next night, borrow 25 from HHI. This is chancy though because I might get one night but not the other.
2. Make a dummy reservation at HHI for next June (will have to wait until the first of July) using 75 points, leaving 25. Then when I book the two nights at the Poly, put my HHI contract first so it will borrow the remaining 25 and then it will use the 18 AKV points plus borrow the final 7 from AKV. Not sure if this will work since I will have current AKV points in my account. Will it make me use those first before borrowing from a different contract? (Also, I kind of hate making dummy reservations since someone may want those dates, even though I will cancel it pretty quickly.)

Will either of these work? Which is my better option?

 

[Marionnette]

We have always been bankers, not borrowers. But the time has come for us to do some borrowing. I still struggle some with how the system works as far as putting your contracts in the order you want to use them, but it's really fuzzy when you throw borrowing into the mix. Hopefully someone can help.

I am wanting to book two nights at the Poly for our February trip for a total of 50 points. Here's what I have remaining:
AKV--
2021: 18
2022: 80 (can borrow only 30 more)

HHI--
2021: 0
2022: 100 (can borrow only 50)

I would like to use the 18 AKV points plus borrow 7 from AKV 2022 and then borrow 25 from HHI 2022. I'm wanting to leave 75 HHI 2022 points to book a HHI summer trip for next year. But I don't think I can do that, can I? I don't think the system will let me borrow a few from one contract and then a few from another. Or will it? The other day when I borrowed, I remember having to manually enter the number of points I wanted to borrow. It only showed one contract to borrow from, but that was because I was nearly 11 months out. If you are within 7 months, will it show all of your contracts and you can manually enter how many points you want to borrow from each??? If this can't be done...

I'm thinking I have two options:
1. Book the two Poly nights separately (25 each). For one night, use the 18 AKV points plus borrow 7. For the next night, borrow 25 from HHI. This is chancy though because I might get one night but not the other.
2. Make a dummy reservation at HHI for next June (will have to wait until the first of July) using 75 points, leaving 25. Then when I book the two nights at the Poly, put my HHI contract first so it will borrow the remaining 25 and then it will use the 18 AKV points plus borrow the final 7 from AKV. Not sure if this will work since I will have current AKV points in my account. Will it make me use those first before borrowing from a different contract? (Also, I kind of hate making dummy reservations since someone may want those dates, even though I will cancel it pretty quickly.)

Will either of these work? Which is my better option?

When the time comes to book your February trip, place the contracts in the order of AKV first and HHI second.
You will then need to borrow 32 points. When you open the page to borrow points, you can break it down however you wish: 7 from AKV, 25 from HHI.

 

[DisneyStarWisher]

When the time comes to book your February trip, place the contracts in the order of AKV first and HHI second.
You will then need to borrow 32 points. When you open the page to borrow points, you can break it down however you wish: 7 from AKV, 25 from HHI.

Thank you for the quick reply! That is so good to know. Since I've never borrowed at the 7 month mark, I had no idea you could choose your contracts. I appreciate your help!

 

[Sandisw]

The only time the system does not give you a choice is when using up banked and current UY points when you want to use both.

In that case, it uses all banked from both, then all current UY from the contract you checked first.


MS seems to have the ability to override that for using some current UY from each, but online we can not so have to call if you want that unique option.