Confused on how booking/borrowing work for future stays

[LouisianaDisneyFan]

Hello all,
We're DVC newbies and are attempting to budget our points for our 30th anniversary trip in December 2011. Our use year is June. From what I have read, I know we can make the reservation 11 months out, in January 2011. We plan to bank our 160 points issued in June 2010 to be used in the next year (June 2011-May 2012, including our anniversary dates). Then, we will have another 160 points issued in June 2011 to use toward the trip. Here's where the confusion starts. I know we can borrow points for the trip, but if we book in January 2011, won't we already be borrowing from the next use year to make the reservation (the points won't be issued until June 2011)? Soooo, will we will be allowed to borrow from our 2011-2012 points to make the reservation too? Or will I need to find a transfer and bank it before the time of booking to cover that difference? Here's a summary of what I would like to do...

June 2010 - 160 points issued - BANK for use in June 2011 use year
January 2011 - Book trip for December 2011 using all points from June 2010 and all points from June 2011... and would like to use some borrowed from June 2012 issue
June 2011 - 160 points issued for current year - USE in this year
June 2012 - 160 points issued - would like to BORROW some of these for trip - Can this be done when booking in January 2011?

In purchasing, I thought we would have use of essentially three years of points for the trip (one banked, one current use year, and one borrowed), but because of the use year anniversary being in June, it looks like perhaps I miscalculated. I'm really confused on how it could work if you can only borrow one year ahead. Help, please?

 

[chalee94]

Here's where the confusion starts. I know we can borrow points for the trip, but if we book in January 2011, won't we already be borrowing from the next use year to make the reservation (the points won't be issued until June 2011)?

rule number 1 about use year: use year has nothing to do with when you can call to book. zero.

your points for the next several years are already "issued." look at your member account online and you can see them.

your jun 2011 pts are valid for stays from jun 1, 2011 to may 31, 2012. when you call in jan 2011 to book a dec 2011 reservation with those pts, they are "current" pts. you can still borrow from 2012 when you call in jan 2011.

here's more info on use year if you need it:

http://www.disboards.com/showthread.php?t=1942668

 

[LouisianaDisneyFan]

Thanks for the quick reply, Charles. That's how I thought it worked, but when we called DVC about an hour ago to book an October 2010 trip, the Cast Member really confused me. I was pretty sure she was not explaining it correctly, as what she was saying was opposite of what our guide had said at the time we purchased (last week). The Cast Member said we could only use two years' worth of points - current and banked or current and borrowed - because of our use year... When I got off the phone with her, I really had no clue how it worked anymore!

 

[chalee94]

Thanks for the quick reply, Charles. That's how I thought it worked, but when we called DVC about an hour ago to book an October 2010 trip, the Cast Member really confused me.

sounds like they needed more training. that's frustrating.

sometimes it's best to call back and hope for a different CM...

 

[Sandisw]

The easiest thing for me has been to simply first figure out what UY I will be traveling (not when I will be calling, since, as PP stated, that plays no role in what points get used).

Once I know the UY my trip happens, then I know I can "pay" for it with banked points from the previous UY, current UY points, and points borrowed from the following UY.

In your case, your Dec 2011 trip happens in your 2011 UY, so it can be paid for with banked 2010 points, current 2011 UY points, and borrowed 2012 points.

When you call in January 2011, that is what MS should do--use up any 2010 banked points first, then your 2011 points, and then borrow whatever you need to finish the reservation from 2012.

Good luck!