I have spun myself into a coma of confusion! Borrowed points!

[kbeam]

If we wanted our stay to be February 2017, but we'll need to borrow 2018 points, when can I MAKE the reservation? We have an August UY, and all of our 2016-2017 points have been used. We will be staying (maybe) at a NON-home resort. I was planning on calling at our 7 month window in July, but I'm thinking I need to wait until August. Am I correct? Or does it not matter about borrowed points, since those borrowed points won't be in our account this August. Thanks!

 

[disneynutz]

Points need to be available for the stay, not the booking. You book either 11 or 7 months prior to check in depending on the points used.

Bill

 

[erionm]

You can make the reservation as soon as your booking window opens. If you need to borrow points to complete the reservation, that can be done when you make the reservation.

 

[kbeam]

But will my points be available to book for 02/2017, borrowing from August 2018 UY? I guess that's where my confusion comes in.

 

[kbeam]

Ok...I believe I just got my answer from DVC's site. ** Total Vacation Points Available to Borrow is the total number of Vacation Points remaining from this Use Year that you can borrow for vacations that take place in the previous Use Year.

So, deducing from this, I would NOT be able to use 2018 points for stays until at least August 2017. Correct?

 

[jerseyduke]

The important thing is WHEN THE RESERVATION IS, not when you book it. If the ressie is in your 2017 UY, you can borrow 2018 points to make it at any time you can make it with regard to the 11/7 month rules.

In your case, with an August UY, the earliest you can use your 2018 points is the first day of your 2017 UY (8/1/17).

So, you are correct, you can not use them for a 2017 February vacation. That is in your 2016 UY,

on 9/1/16, your 11 month window opens for your 2017 UY. That is the first day you can reserve with points borrowed from 2018.

You did over complicate things. 2018 points can be used for reservations in your 2017 UY via borrowing, 2018 UY as current, and 2019 UY via banking.

If you are able to make a reservation in your 2017 UY on any given day, you are also able to borrow from 2018.

 

[com_op_2000]

Bad post
IMHO, get a spreadsheet together that you understand, lay out your points, when you want to travel, and any other item you feel are important. This way it can help with planning and when to use what UY points.

 

[disneynutz]

Feb 2017 stay is in your August 2016 UY. You can use banked 2015 points or borrow 2017 points.

Bill

 

[kbeam]

Feb 2017 stay is in your August 2016 UY. You can use banked 2015 points or borrow 2017 points.

Bill

Thank you! This is what I thought. So, I CAN'T borrow 2018 points for a 02/2017 stay, since that is still in my 2016 UY. Thank you, all!

 

[Dean]

Thank you! This is what I thought. So, I CAN'T borrow 2018 points for a 02/2017 stay, since that is still in my 2016 UY. Thank you, all!

Correct but there are was to stretch your points. Maybe a discounted DVC cash stay, renting from a member, doing a discounted CRO stay as a chance to try something else or staying off property are all valid options.

 

[DebbieB]

If you look at your account online, you should see points listed for:

August 2015
August 2016
August 2017
August 2018

So those 2017 points are there for you to borrow for a stay in your 2016 use year. There's no waiting for points to be "available", all use is based on the use year and date of stay.