Can you borrow before using current use year?

[bandjbaine]

Is there a way to borrow points to use before using current use year points?

 

[Sandisw]

No. All current points have to be used first.
What you can do is make a dummy reservation that uses the current Uy points.
Then book what you want borrowing points..restricted right now to 50%.. then cancel out the fake one.

 

[js]

Why would someone want to do this? Thanks.

 

[mom2rb]

I have borrowed before I have used all of my points. I own at 3 resorts. There are times that I need the 11 month window and have been able to borrow to get it.

 

[DebbieB]

Why would someone want to do this? Thanks.

They may want to leave current year points for a possible trip or a waitlist. I had an April Riviera reservation last year and it got cancelled. I have an April use year and I wanted to rebook for April 2021, I just banked the points I needed for the 2021 reservation, leaving the rest of current year for a waitlisted September VGC reservation. That didn’t happen of course, so I banked the rest.

 

[Sandisw]

I have borrowed before I have used all of my points. I own at 3 resorts. There are times that I need the 11 month window and have been able to borrow to get it.

if you own more than one resort, you can borrow from one contract that has used its current UY points to save others for home resort advantage,

 

[bandjbaine]

I need current use year points for a reservation that I may decide to upgrade in April pending how a reservation I am making for Dec for a different resort comes through(pending the total nights I can get in certain room categories)

 

[Sandisw]

I need current use year points for a reservation that I may decide to upgrade in April pending how a reservation I am making for Dec for a different resort comes through(pending the total nights I can get in certain room categories)

Then it definitely makes sense to simply book a trip with those points right before you make December so you can borrow for that trip.

 

[KAT4DISNEY]

Is there a way to borrow points to use before using current use year points?

If you really want to do that you can make a "dummy" reservation some place that uses the current points you want to set aside. Then make the reservation that will borrow points. Once that's done cancel the dummy reservation and you'll have the current points back available in your account,

 

[bandjbaine]

Thanks for the dummy reservation idea, using that. One other question - the actual cause of all this mess is I banked points early, otherwise it would not have been an issue. I have multiple reservations going on so that makes me trying to explain all this more confusing...but.... if I have 60 banked points and 60 regular points in next use year and I am trying to make a "dummy" reservation for 20 points. Will the reservation pull from the banked points or the regular points? I need it to pull from regular points as the banked points won't work for the upgrade reservation coming up in April so needing to have the "dummy"reservation to save the points in the current use year so i can borrow them in ( that are also w/in the current borrowing allowance).

 

[Marionnette]

Thanks for the dummy reservation idea, using that. One other question - the actual cause of all this mess is I banked points early, otherwise it would not have been an issue. I have multiple reservations going on so that makes me trying to explain all this more confusing...but.... if I have 60 banked points and 60 regular points in next use year and I am trying to make a "dummy" reservation for 20 points. Will the reservation pull from the banked points or the regular points? I need it to pull from regular points as the banked points won't work for the upgrade reservation coming up in April so needing to have the "dummy"reservation to save the points in the current use year so i can borrow them in ( that are also w/in the current borrowing allowance).

The system will always pull banked points before it pulls current UY points IF the banked points are usable for the intended reservation.

For instance, if I have 60 banked VGF points and 60 BWV that are part of my current UY, the system would use my BWV points for a reservation at BWV inside the 11-7 month booking window. But at 7 months, when a point is a point with no home resort, the banked VGF points would be taken first.

 

[Sandisw]

Thanks for the dummy reservation idea, using that. One other question - the actual cause of all this mess is I banked points early, otherwise it would not have been an issue. I have multiple reservations going on so that makes me trying to explain all this more confusing...but.... if I have 60 banked points and 60 regular points in next use year and I am trying to make a "dummy" reservation for 20 points. Will the reservation pull from the banked points or the regular points? I need it to pull from regular points as the banked points won't work for the upgrade reservation coming up in April so needing to have the "dummy"reservation to save the points in the current use year so i can borrow them in ( that are also w/in the current borrowing allowance).

What is your UY? It might help give more info. But, as mentioned, it will always use banked before current UY

I am confused why the banked points would not be available for the trip but other points would?

It sounds like right now you want to save some current UY points for your April trip and book a different trip during the same UY of the April trip but later?

 

[bandjbaine]

I have a Dec use year and I am currently trying to make reservations for the week of Christmas/ Dec 2021- a 2 BR for a full week and either a another 2 BR for part of the week or 2 Studios for part of the week. I want to make sure I have enough points to cover worst case scenario, but optimally if I can jump in and grab at least one Standard view, I will have some points available to do this upgrade without having to purchase single time use points to do it. The reservation I want to upgrade is from a Studio to a 1 BR at Aulani in April 2021. All my points are currently in my Dec 2021 use year as I banked them in before I thought about making this reservation thinking I would use most all of them anyway.... Can I call MS and ask them to make a reservation using the current use year points?

 

[Sandisw]

I have a Dec use year and I am currently trying to make reservations for the week of Christmas/ Dec 2021- a 2 BR for a full week and either a another 2 BR for part of the week or 2 Studios for part of the week. I want to make sure I have enough points to cover worst case scenario, but optimally if I can jump in and grab at least one Standard view, I will have some points available to do this upgrade without having to purchase single time use points to do it. The reservation I want to upgrade is from a Studio to a 1 BR at Aulani in April 2021. All my points are currently in my Dec 2021 use year as I banked them in before I thought about making this reservation thinking I would use most all of them anyway.... Can I call MS and ask them to make a reservation using the current use year points?

So, the system will definitely take your banked 2020 points that you put in Dec 2021 first before taking the 2021 points for the December trip

Once booked, if you still have Dec 2021 points left, then you can borrow them back to your Dec 2020 UY for the April trip.

If you wanted to upgrade April now, you can borrow from 2021 UY and then if you are short to get the December rooms, you can borrow against 2022 UY for that trip.

I don’t think you need a dummy reservation because it sounds like all your 2020 UY points are either banked or in trip in April already.

 

[Marionnette]

I have a Dec use year and I am currently trying to make reservations for the week of Christmas/ Dec 2021- a 2 BR for a full week and either a another 2 BR for part of the week or 2 Studios for part of the week. I want to make sure I have enough points to cover worst case scenario, but optimally if I can jump in and grab at least one Standard view, I will have some points available to do this upgrade without having to purchase single time use points to do it. The reservation I want to upgrade is from a Studio to a 1 BR at Aulani in April 2021. All my points are currently in my Dec 2021 use year as I banked them in before I thought about making this reservation thinking I would use most all of them anyway.... Can I call MS and ask them to make a reservation using the current use year points?

You cannot use any of the points that you banked into Dec 2021 to complete an April 2021 reservation. You will have to borrow current Dec 2021 points into your 2020 UY to do it. Right now, borrowing is restricted to half the number of points in a contract. If you have multiple contracts, the rule still applies...50 points from a 100-point contract, 63 from a 125-point contract. If you’ve already borrowed points from your 2021 UY, then that number is deducted from the total number of points available to be borrowed.

The good news is that you can borrow from your Dec 2022 UY to complete that Christmas 2021 reservation. You can still only borrow half of those points but it’s a new UY, so whatever you borrow to make that April reservation won’t affect what you can borrow to make the Christmas reservation.

 

[bandjbaine]

Due the borrowing restrictions, I'm going to need all available points I ahve

UY to do it. Ri

You cannot use any of the points that you banked into Dec 2021 to complete an April 2021 reservation. You will have to borrow current Dec 2021 points into your 2020 UY to do it. Right now, borrowing is restricted to half the number of points in a contract. If you have multiple contracts, the rule still applies...50 points from a 100-point contract, 63 from a 125-point contract. If you’ve already borrowed points from your 2021 UY, then that number is deducted from the total number of points available to be borrowed.

The good news is that you can borrow from your Dec 2022 UY to complete that Christmas 2021 reservation. You can still only borrow half of those points but it’s a new UY, so whatever you borrow to make that April reservation won’t affect what you can borrow to make the Christmas reservation.

Right. Which is why I am trying to force the borrowing...I know I will end up using ALL of what I have available (restricted borrowing considered), but I want to get my Dec reservations solidified before upgrading my April one as I also know I will need to purchase some amount of one time use points, but depending on how the Dec rez goes, I may have to purchase significantly less. If I make a reservation at Poly for 120 points in my 2021 uy- 60 banked in and 60 current use year) and then am able to get what i need at BW so i then modify that Poly reservation to not take the whole week but only 3 days, would the excess points "let go" from the reservation be the banked points or the current use year? If current use year, that would work fine I think. All my contracts are Dec UY.

 

[Sandisw]

Due the borrowing restrictions, I'm going to need all available points I ahve


Right. Which is why I am trying to force the borrowing...I know I will end up using ALL of what I have available (restricted borrowing considered), but I want to get my Dec reservations solidified before upgrading my April one as I also know I will need to purchase some amount of one time use points, but depending on how the Dec rez goes, I may have to purchase significantly less. If I make a reservation at Poly for 120 points in my 2021 uy- 60 banked in and 60 current use year) and then am able to get what i need at BW so i then modify that Poly reservation to not take the whole week but only 3 days, would the excess points "let go" from the reservation be the banked points or the current use year? If current use year, that would work fine I think. All my contracts are Dec UY.

They will always keep more restrictive points in the reservation so the current 2021 UY points will be the first to be freed up from the December trip if less points.

So, if you really want to get those borrowed points into the December trip from the start, then you would want to do a dummy reservation to use all the banked, current UY and some borrowed points the day before you need to book for real,

Then, cancel it, and all points will be back in your account, including the borrowed points. The next day, book the real trip and it will use banked and borrowed first, then leave you with the current 2021 UY points, which can be borrowed back to 2020 UY for April.

 

[bandjbaine]

Excellent. You are faster than Member Services. Been on hold for 30 min with them...lol. These boards are great!

 

[bandjbaine]

They will always keep more restrictive points in the reservation so the current 2021 UY points will be the first to be freed up from the December trip if less points.

So, if you really want to get those borrowed points into the December trip from the start, then you would want to do a dummy reservation to use all the banked, current UY and some borrowed points the day before you need to book for real,

Then, cancel it, and all points will be back in your account, including the borrowed points. The next day, book the real trip and it will use banked and borrowed first, then leave you with the current 2021 UY points, which can be borrowed back to 2020 UY for April.

Just wanted to verify the some information you gave me to make sure I understand. If I make a reservation that uses both current year and borrowed points as a dummy reservation, then cancel it...Would all the points be dropped back into my current use year? And if I made a reservation after that - it would pull from either the borrow or banked points first as they are more restrictive than current use year? Am I getting that right?

 

[Sandisw]

Just wanted to verify the some information you gave me to make sure I understand. If I make a reservation that uses both current year and borrowed points as a dummy reservation, then cancel it...Would all the points be dropped back into my current use year? And if I made a reservation after that - it would pull from either the borrow or banked points first as they are more restrictive than current use year? Am I getting that right?

Yes. That is the way it works! Now, DVC is returning borrowed points as a temporary change, but it doesn’t happen immediately. Normally, on Thursdays unless someone calls and then they will usually get someone to do it for them,

So, if you cancel a trip right before making a new one, it will definitely use up banked and borrowed first!