Help me understand borrowing!

[Hawkeyegirls]

IF I were to buy 100 points to Poly. And lets say in 2021 I want to stay a full week so I need 125 and book at the 11mo mark to secure dates, then at the 7 month mark I see that Animal Kingdom is open for 80 points, if I were to switch would I have to use the full 125 in 2021 or I would loose it?

Just trying to see if its possible to book at a "more expensive" resort then downgrade and still able to use those other points the next year and not the current year.

If not, is it easier to wait until 7 mo to book at another resort? Or is it easier owning at a cheaper resort and then borrowing if able to get a more expensive place at 7mo?
Thanks!

 

[Chuck S]

Given your scenario, and assuming the 7 month window is within your use years banking window, you'd use the 25 borrowed points for the reservation plus 55 current points. The 45 remaining current use year points could then be banked to the next use year.

Borrowing and banking are final transactions, except during the COVID allowances being given right now.

 

[thanxfornoticin]

Yup - the only points in 'jeopardy' are the 25 you borrowed. As laid out by Chuck S, the unused 45 points go back to the current use-year and can be used later or banked. It's a pretty flexible system (during normal times!)

 

[TiggerBouncy]

And yes, there is a small catch there. The points from the current use year that you bank into next year can not then be re-banked (like the original borrowed points could). So you have to be careful. However in general you can usually make it work.