Borrowing/UY

[Splashboat]

This is a confusing question so I am going to try to make it specific.
If I am going to book a vacation for December 2012, I can do this in January (for my home resort). My question is: If my UY is August (and I need some of the 2012 points - not actually received until August 2012), is it considered borrowing points seeing as I am booking with points I will not receive until later in the year (but before my travel dates). Hopefully someone followed that and can answer.

 

[Disneycouple99]

Your Dec 2012 trip falls in your 2012 UY. Points for this trip you can use are 2011 banked points, 2012 current points or 2013 borrowed points. So no this is not borrowing.

 

[Splashboat]

It is a long story but I had a good reason for asking that question. Thank you!

 

[Sandisw]

Everything is based on UY of travel and not when you call. Anytime you want to figure out what can be used, first figure out what UY your trip will take place.

All trips can use banked points from previous UY, UY of travel, and borrow points from the UY after travel.

So, a Dec 2012 trip, takes place in your Aug 2012 UY so those points would be current UY points by the time you travel.

 

[DebbieB]

This is a confusing question so I am going to try to make it specific.
If I am going to book a vacation for December 2012, I can do this in January (for my home resort). My question is: If my UY is August (and I need some of the 2012 points - not actually received until August 2012), is it considered borrowing points seeing as I am booking with points I will not receive until later in the year (but before my travel dates). Hopefully someone followed that and can answer.

Points are in your account years in advance, no waiting to be "received". I have an April use year and if I look at my account online I have 2011, 2012, 2013, 2014 use years showing. All points use is based on date of stay, when you book does not come into play.

 

[ScootScharfer]

When does borrowing actually happen? This is a lot of detail but suppose I make a reservation at the 11 month window. Points needed for the reservation are 225 (hypothetically) and I will have 100 banked, 100 current and I will need to borrow 25 from the following use year. Does the borrowing happen when I make the reservation or on the date that I check in 11 months from now?

 

[supersnoop]

Points are borrowed when you make the reservation.

 

[ScootScharfer]

Thanks for the quick, concise response.

 

[dundey]

Just did this myself and can confirm that is what happens!

Also, I think any banked points you have are used first when making a reservation, then would be current UY points, followed by any points that you'd potentially need to borrow.