Confused..

[CrystalClear82]

I called MS and I think I'm more confused than when I originally called them.
We have (2) contracts. With (2) different UYs - Feb and March.
We purchased both as resale with banked 2022 points.
Due to wanting a vacation at a home resort (in January of 2024) and current booking availability we just stripped one of the contracts into 2025.
Now what happens to the other contract with banked 2022 points? --- I only have until Feb 2024 to USE those banked points on the opposing contract or just have to have a vacation BOOKED before we lose them?

I felt like I left myself in a donut hole, which is why I agreed to strip the one contract to book the vacation using borrowed 2025 its. But I also feel like I may have screwed up and now I have unused points that will be hanging out there?
Is there a sweet point in the calendar year to make them both work together at a non-home resort?

 

[ark101]

For a STAY in Jan 2024, you can use your Feb and March UY 2023 points or bank 2022 UY points into 2023 or borrow from 2024 UY and use them. If you already had 'banked 2022 points' which I assume means 'banked into 2023 UY' you should have been able to use them without doing anything else.

What you said is not clear at all. What do you even mean by 'stripped'?

 

[tjkraz]

Now what happens to the other contract with banked 2022 points? --- I only have until Feb 2024 to USE those banked points on the opposing contract or just have to have a vacation BOOKED before we lose them?

Point expiration dates always relate to the date when the stay will occur.

2022 points for a February Use Year were originally valid for stays between 2/1/22 and 1/31/23. When banked, they become valid for stays between 2/1/23 to 1/31/24. You must USE the points for a stay which occurs prior to 1/31/24 or they will be forfeit. It could be your own stay, a friend, rent the points, etc. The only other option that comes to mind to extend their life would be to deposit them with Interval International for a trade. That's a whole other topic unto itself.

 

[CrystalClear82]

For a STAY in Jan 2024, you can use your Feb and March UY 2023 points or bank 2022 UY points into 2023 or borrow from 2024 UY and use them. If you already had 'banked 2022 points' which I assume means 'banked into 2023 UY' you should have been able to use them without doing anything else.

What you said is not clear at all. What do you even mean by 'stripped'?

Due to the stay being in January 2024. We were able to use 2023 points,2024 points and then borrow into 2025. So the contract has been stripped/used into 2025.

I was told I couldn’t use/book with the second contract at this time. I’d have to wait until July to do so. (7-month rule.) Which is why I was asking about the usage of the banked points on the second contract.

 

[LRdismom]

oh yeah, the stay will have to occur before the end of the use year. I would try renting them if you don't intend on using those banked points before Feb 2024.

 

[ark101]

Due to the stay being in January 2024. We were able to use 2023 points,2024 points and then borrow into 2025. So the contract has been stripped/used into 2025.

I was told I couldn’t use/book with the second contract at this time. I’d have to wait until July to do so. (7-month rule.) Which is why I was asking about the usage of the banked points on the second contract.

Got it. I don't have two UY so someone else probably can explain better but from what I understand, you cannot combine points from two different memberships till 7 months but you can ask MS to do a one time transfer from one UY to the other one and book assuming both are for the same resort. The original UY and resort rules (expiration, 11 month advantage etc.) would still apply to the transferred points.

 

[KPeterso]

2 Use Years complicates things a bit. I have 2 and use the points for separate visits 95% of the time. To use the points together, you will have to wait until the 7 month mark and then you have a few choices.

• Transfer the points from one membership ID to the other (you will have 2 with 2 UYs). Then the points can all be used together at 7 months (or at 11 months if they are the same resort). Members are allowed 1 transfer per UY, but I have heard if you are the owner of both, you could probably transfer more than once to yourself. Transferred points retain home resort priority and expiration dates (so if you transfer the Feb UY points to Mar UY, those points will still expire on 1/31. Transferred points may be banked, but previously banked points cannot be transferred.
• Wait until the 7 month make and make 2 reservations. 1 reservation using the Feb points and then 1 reservation using the March points. Then call Member Services and ask them to link the 2 reservations as a continuing reservation. I have done that and was able to stay in the same room, but there is no guarantee of keeping the same room. The room type and view would have to be the same to possibly keep the same room. If one of the reservations is your home resort, you would be able to book it at 11 months and then book the second part of the stay at 7 months. Or book each at 11 months with home resort as 2 separate reservations as a split reservation at 2 resorts.

I am confused that you borrowed 2025 points for a Jan 2024 reservation as those would not yet be available as the UY for 2024 is 2/1/24 - 1/31/25. Are you are you did not borrow the 2024 points since the 2025 are not yet available?

 

[sndral]

Due to the stay being in January 2024. We were able to use 2023 points,2024 points and then borrow into 2025. So the contract has been stripped/used into 2025.

I was told I couldn’t use/book with the second contract at this time. I’d have to wait until July to do so. (7-month rule.) Which is why I was asking about the usage of the banked points on the second contract.

You own at 2 different resorts - OKW & Aulani. January 2024 is 8 months away thus you can only book your home resort. From 11-7 months you can only book your home resort. At 7 months you can book anywhere (except resale w/ the 2 restricted resorts.)
To book right now for January 2024 you can book OKW w/ your OKW points or you can book Aulani w/ your Aulani points. You cannot use your Aulani points to book OKW & vice versa. That’s why you had to only use the points in the contract at the resort you booked & because you didn’t have enough banked & current points in that resort’s contract you had to borrow some.
At 7 months in July if there is still availability where you’ve booked for Jan. 2024, then you can use your other contract’s banked points to get those nights. But that’s only if there’s still availability. That would let you free up some of the points you’ve used, hopefully current use year points which you can then bank. You cannot unborrow the points you borrowed.
The 2 different use years complicates how you’ll do this at 7 months - but if there’s availability you can at least use your other contract’s banked points.

 

[CrystalClear82]

2 Use Years complicates things a bit. I have 2 and use the points for separate visits 95% of the time. To use the points together, you will have to wait until the 7 month mark and then you have a few choices.

• Transfer the points from one membership ID to the other (you will have 2 with 2 UYs). Then the points can all be used together at 7 months (or at 11 months if they are the same resort). Members are allowed 1 transfer per UY, but I have heard if you are the owner of both, you could probably transfer more than once to yourself. Transferred points retain home resort priority and expiration dates (so if you transfer the Feb UY points to Mar UY, those points will still expire on 1/31. Transferred points may be banked, but previously banked points cannot be transferred.
• Wait until the 7 month make and make 2 reservations. 1 reservation using the Feb points and then 1 reservation using the March points. Then call Member Services and ask them to link the 2 reservations as a continuing reservation. I have done that and was able to stay in the same room, but there is no guarantee of keeping the same room. The room type and view would have to be the same to possibly keep the same room. If one of the reservations is your home resort, you would be able to book it at 11 months and then book the second part of the stay at 7 months. Or book each at 11 months with home resort as 2 separate reservations as a split reservation at 2 resorts.

I am confused that you borrowed 2025 points for a Jan 2024 reservation as those would not yet be available as the UY for 2024 is 2/1/24 - 1/31/25. Are you are you did not borrow the 2024 points since the 2025 are not yet available?

You own at 2 different resorts - OKW & Aulani. January 2024 is 8 months away thus you can only book your home resort. From 11-7 months you can only book your home resort. At 7 months you can book anywhere (except resale w/ the 2 restricted resorts.)
To book right now for January 2024 you can book OKW w/ your OKW points or you can book Aulani w/ your Aulani points. You cannot use your Aulani points to book OKW & vice versa. That’s why you had to only use the points in the contract at the resort you booked & because you didn’t have enough banked & current points in that resort’s contract you had to borrow some.
At 7 months in July if there is still availability where you’ve booked for Jan. 2024, then you can use your other contract’s banked points to get those nights. But that’s only if there’s still availability. That would let you free up some of the points you’ve used, hopefully current use year points which you can then bank. You cannot unborrow the points you borrowed.
The 2 different use years complicates how you’ll do this at 7 months - but if there’s availability you can at least use your other contract’s banked points.

Thank you both for explaining it.
Im a visual person. So seeing it written out in an explanation helps my brain understand how and why it works that way.

I’m pretty sure my head spun around when MS told me,that since the vacation was being booked in 2024, I could borrow points from 2025. I’ll have to go back and check. It didn’t “add-up” in my head.
(I think this is where I got really confused.)

 

[sndral]

Since both your 2024 use years start after that Jan. 2024 trip I’m pretty sure you borrowed from 2024 rather than 2025 & something was lost in translation - it is confusing. To check log on & hit the ‘my DVC’ tab followed by the ‘my vacation points’ tab

Then choose ’2025’ where you’ll see all of your points there waiting for you to use

 

[Sandisw]

Thank you both for explaining it.
Im a visual person. So seeing it written out in an explanation helps my brain understand how and why it works that way.

I’m pretty sure my head spun around when MS told me,that since the vacation was being booked in 2024, I could borrow points from 2025. I’ll have to go back and check. It didn’t “add-up” in my head.
(I think this is where I got really confused.)

A January 2024 trip is in your 2023 UY for both Feb and March…my guess is that you fully borrowed the 2024 points and not 2025 as that is not possible.

 

[CrystalClear82]

I can confirm via my dashboard that, I'm using 2023, 2024 and borrowing points from 2025.

 

[DonMacGregor]

I can confirm via my dashboard that, I'm using 2023, 2024 and borrowing points from 2025.

Something weird is going on there then, because that trip is within your 2023 use year, so you should only be able to borrow 2024 points. Regardless of what the calendar date is for the trip, you can never borrow two use years in advance.

 

[Straulin]

You can borrow beyond the next year for adventures or cruises but normal stays are limited to the banked, current, or next use year. Is your trip crossing over into February? That could then allow borrowing from 2025 for those later days as they would be 2024 use year days for the Feb contract.

 

[DonMacGregor]

You can borrow beyond the next year for adventures or cruises but normal stays are limited to the banked, current, or next use year. Is your trip crossing over into February? That could then allow borrowing from 2025 for those later days as they would be 2024 use year days for the Feb contract.

But you can't book a reservation that crosses use years. It would have to be two separate reservations, then combined by MS afterwards. It sounds like there is only one reservation.

 

[NVDISFamily]

It's likely clear as mud... here is a chart I built to help me map out my use of DVC and plan ahead -



This is for Disneyland Resort points/trips. I also have one for WDW that is even a bit more complex. One section for banking activities, one for borrowing. Have to factor when the stay lands and make sure it goes into the correct column. Really helps planning ahead and considering what trips we can do. I did this on google drive so I can look at it on the tablet, Chromebook, etc. while on the go if needed.

 

[CrystalClear82]

It's likely clear as mud... here is a chart I built to help me map out my use of DVC and plan ahead -

View attachment 761673

This is for Disneyland Resort points/trips. I also have one for WDW that is even a bit more complex. One section for banking activities, one for borrowing. Have to factor when the stay lands and make sure it goes into the correct column. Really helps planning ahead and considering what trips we can do. I did this on google drive so I can look at it on the tablet, Chromebook, etc. while on the go if needed.

This!!! Thank you!! ---- I love spreadsheets!!

I actually started writing it down yesterday in a notebook, but I got caught up with work and didn't get back to it.

 

[CrystalClear82]

You can borrow beyond the next year for adventures or cruises but normal stays are limited to the banked, current, or next use year. Is your trip crossing over into February? That could then allow borrowing from 2025 for those later days as they would be 2024 use year days for the Feb contract.

You are correct, there is one day running into Feb.

 

[DonMacGregor]

You are correct, there is one day running into Feb.

Then that is the source of the confusion for both you initially, and here in the thread. Reservations cannot span across use years. In order to make your trip work, the GS CM had to make two separate reservations: one for the days in January (which are in your 2023 UY), and another for the single day in February (which falls in your 2024 UY), and that single day in February must have required dipping into (borrowing from) your 2025 points. After making the separate reservations, the two were merged.

I still don't see why the 2025 contracts were "stripped" as you call it, as a single February day shouldn't have consumed all of the 2025 points, unless it is a very small contract, and the 2025 points still couldn't have been used for the January days.

ETA: even then, only the 2025 points from the February UY contract could be borrowed. The 2025 points from the March UY still couldn’t be touched.

 

[kes601]

Due to wanting a vacation at a home resort (in January of 2024) and current booking availability we just stripped one of the contracts into 2025.

I still don't see why the 2025 contracts were "stripped" as you call it,

I'm reading that as the one contract was "stripped" (aka used all points) until 2025, but this whole thread is confusing.....