Borrowing Points

[DisneyBoundMomof3]

For our upcoming trip in January , we've borrowed from our 2018 year, which we knew we would be doing. We're planning a trip in October 2018, and will likely have to borrow from 2019, our UY is June. Do I have to wait till June next year to borrow points from the 2019 year, for our October 2018 trip?

 

[disneynutz]

Points need to be banked during the first 8 months of your UY. Points need to be available during the dates of your stay, not when you make the reservation. Banking moves points one UY forward, borrowing moves points one UY back. Banking and borrowing are final transactions and can not be reversed. Make your reservation at 11 or 7 months from your check in date, you can borrow points at that time if they haven't been borrowed yet.

Bill

 

[KAT4DISNEY]

No, no waiting required. If the points are eligible to be borrowed for your stay then you can borrow them at the 11 months or 7 month window. When you book is never a factor for what points can be used - it's always the 11 month and 7 month windows. Points just have to be eligible for use for the stay you're booking.

So with a June UY where you want to go in Oct 2018 points that would be eligible for use are banked 2017 points, current 2018 points and borrowed 2019 points. You would be able to book your home resorts starting in November of 2017 or a non-home resort in March of 2018.

 

[supersnoop]

If you can book it, you can borrow for it. You just have to figure out which points are "current" and which are in your next use year.