could someone please explain my points I must be missing something

[Dznypal]

we have an aug UY home resort is the poly--we usually go in Jan and were supposed to go this Jan (2022) but last dec decided to cancel with all the changes espcailly with everything on your phone which Im not good with so we had 82 points that I had banked that we were going to lose

so I managed to rent them all out--I did have to borrow 10 points to do the last rental
so now we are set to go this coming Jan (2023)

I dont know why I checked my dashboard as far as our points go to see
we have +82 points in our "vacation points that are currently available " then the next box says "82 points to be banked by March 31 2023
so then when I bank these 82 points Ill have 182 then for our 2024 trip

this is the part Im confused about since I thought since we rented our points that we were even then on points and were just starting with our 100 points thats our contract

I sure this makes sense as I am lost usually our trips use all 100 points plus borrowing a few

also when we bought which was in 2016 our agent asked about our vacation habits like times of year and number of nights we told him we like going the end of Jan for about 6 nights

so he was the one that suggested the aug UY is this really the best UY we could get--I have admit I really didnt think to much of UY when we bought just curious
thanks all

 

[supersnoop]

so we had 82 points that I had banked that we were going to lose

so I managed to rent them all out--I did have to borrow 10 points to do the last rental
so now we are set to go this coming Jan (2023)

This is where I get confused. You had 82 points banked that you rented out, but what did you have for current year points? You say you had to borrow points to fulfill a rental request, but those should have been current points. Had you already banked the remainder of your points?

 

[drusba]

As note above, what is missing from the information provided is what happened to your 100 Aug 2021 points. Your cancelled Jan 2022 trip had 82 banked Aug 2020 points in it, which you rented. Your Aug 2022 use year currently has 82 points in it after borrowing 10 from it to pair with the rental points. But you appear to have an existing Jan 2023 reservation. Is that using Aug 2021 points banked into Aug 2022 use year and some Aug 2022 points?

 

[Sandisw]

I think you may be getting confused by the calendar year of the trip and the UY.

The January 2022 trip was in your Aug 2021 UY. It sounds like trip was booked with banked 2020 points and when you canceled it put 82 points back, which you rented along with 10 of your 2021 points. You do mention borrowing but I am wondering if the 10 you used were simply 2021 UY points but it was already 2022 so you thought it was considered borrowing?

Those 2021 points must have been banked into your 2022 UY and used to book your January 2023 trip.

You don’t mention how many points you have used for the January trip, but my guess is it might be around 108?

Which would have been 90 banked from 2021 into your 2022 UY, plus another 18 from the 2022 UY, leaving you 82 2022 UY points to be banked by the end of March 2023.

 

[Ensusieasm]

we have an aug UY home resort is the poly--we usually go in Jan and were supposed to go this Jan (2022) but last dec decided to cancel with all the changes espcailly with everything on your phone which Im not good with so we had 82 points that I had banked that we were going to lose

so I managed to rent them all out--I did have to borrow 10 points to do the last rental
so now we are set to go this coming Jan (2023)

I dont know why I checked my dashboard as far as our points go to see
we have +82 points in our "vacation points that are currently available " then the next box says "82 points to be banked by March 31 2023
so then when I bank these 82 points Ill have 182 then for our 2024 trip

this is the part Im confused about since I thought since we rented our points that we were even then on points and were just starting with our 100 points thats our contract

I sure this makes sense as I am lost usually our trips use all 100 points plus borrowing a few

also when we bought which was in 2016 our agent asked about our vacation habits like times of year and number of nights we told him we like going the end of Jan for about 6 nights

so he was the one that suggested the aug UY is this really the best UY we could get--I have admit I really didnt think to much of UY when we bought just curious
thanks all

To answer your use year question: I also go to Disney World in late January, and I bought a December use year because I thought that was the best for me. I didn’t really get an agent’s advice on the best use year. I think your August use year is okay, but I wouldn’t buy an earlier month than that.

 

[Dznypal]

thanks for the replies so far--but in going back over my dashboard heres the breakdown hoping it sheds more light on this since a couple of replies asked about banking and borrowing--
Im just so thrilled that it looks like I have points to bank for 2024

aug 21 UY banked 82 points from UY 2020 to 2021
used 121 points for 1/30/22 points available 61
12/26/21 canceled trip points available 182
1/20/22 used (rented) 36 available 146
1/25/22 used points (rented) 56 available 90
2/23/22 banked points from UY 21 to UY 22 -90 points available 0
6/24/22 used 22UY 108 for Jan stay available 82 vacation points
which shows up in my points I can bank is 82 by march 31 2023

whats really confusing is if I banked 90 on 2/23/22 why is it - and showing 0 available
yet the next listing shows 82 points I can bank
like someone mentioned Im probably confusing UY and borrowing

Im not going try to figure it out Ill just make sure I bank them by the end of march which I always make sure I do anyways

 

[Sandisw]

thanks for the replies so far--but in going back over my dashboard heres the breakdown hoping it sheds more light on this since a couple of replies asked about banking and borrowing--
Im just so thrilled that it looks like I have points to bank for 2024

aug 21 UY banked 82 points from UY 2020 to 2021
used 121 points for 1/30/22 points available 61
12/26/21 canceled trip points available 182
1/20/22 used (rented) 36 available 146
1/25/22 used points (rented) 56 available 90
2/23/22 banked points from UY 21 to UY 22 -90 points available 0
6/24/22 used 22UY 108 for Jan stay available 82 vacation points
which shows up in my points I can bank is 82 by march 31 2023

whats really confusing is if I banked 90 on 2/23/22 why is it - and showing 0 available
yet the next listing shows 82 points I can bank
like someone mentioned Im probably confusing UY and borrowing

Im not going try to figure it out Ill just make sure I bank them by the end of march which I always make sure I do anyways

The 90 points you banked were your 2021 points. That gave you 190 to use in your August 2022 UY.

You then booked a trip for January 2023..which takes place in your Aug 2022 UY.

When you booked that trip for 108 points, it used your 90 banked 2021 points and 18 of your 2022 UY points.

That leaves you with the 82 2022 UY points which can be banked up until March 31st, 2023.

 

[Dznypal]

thanks for the explantion--it does make sense now--I get confused with UY and what years use points falls into--I just didnt expect to be able to bank 82 points that is such great news--I thought since I had to borrow a few to do the last rental that Id have to borrow for the trip in 2024? but now Ill have 182 points for that trip so Ill be able to bank again

thanks all this helped out so much

 

[supersnoop]

I had to borrow

You didn't borrow. You booked with banked and current points.

 

[DVCanadian]

I like to use a piece of paper to write out my use year like this:
Aug 1 2020 - July 31, 2021. # of points
Aug. 1 2021 - July 31, 2022 # of points
Aug. 1 2022 - July 31, 2023 # of points

Move the points via banking and borrowing to where you want to make a reservation.
I assume when people say 2021 points (for example) they mean the use year that starts sometime in 2021.

I’ve found writing it out makes it very clear.