If I've banked, can I borrow?

[lenshanem]

I just realized I banked some extra points already. Can I now borrow to book an unplanned trip?

Thanks!

 

[dianeschlicht]

Absolutely! I just did that too.

 

[lenshanem]

Thanks.

Can I also borrow two use years in a row? Say borrow this use year to book this unplanned trip, then again the next use year to complete another trip for next summer?

 

[Frozenfingers]

You can always borrow one year ahead. We are perpetually in the hole and don't figure we will be in a position to bank till about '08...

 

[CarolMN]

Originally posted by lenshanem
Thanks.

Can I also borrow two use years in a row? Say borrow this use year to book this unplanned trip, then again the next use year to complete another trip for next summer?

If I understand your question correctly, the answer is yes!

For example, I have no points left in my 2004 use year (because I banked some). I want to take a trip that falls within my 2004 use year, so I borrow points from my 2005 use year.

OK. Had a wonderful time and now it is my 2005 use year. I want to take a trip, but the banked points (from 2004 and what is left in 2005 isn't enough. So I borrow points from my 2006 use year and again have a wonderful time.

I can continue this pattern (as long as I borrow only one use year ahead of the use year my trip falls within) until I run out of points.

HTH.

Best wishes -

 

[lenshanem]

Correct. That is it exactly. Thanks. I think we can get caught up that third use year by only going for five nights to WDW and then going on the DCL with cash as we had planned.

Now I just have to decide if I want to use the AP rates if they come out, use the current cheap offer on the WDW website or just borrow the points.

So stay at a value or mod with cash or use our points that are already being paid for at a deluxe resort. Tough call!

Thanks!

 

[Dean]

Regarding your original question. You can bank then borrow BUT you cannot borrow the banked points. What you would do is bank this years points and then borrow from next years points. That would leave you a mixture of current and banked points in your next use year.

Regarding your second question, it depends. There is no limit on how many times you borrow, even in consecutive years. However, you cannot borrow two years ahead. I could borrow from 2005 use year into 2004 use year, I could borrow from 2006 use year into 2005 use year. But you cannot borrow from 2006 use year into 2004 use year.

It's a little tricky thinking about it because it's the points applicable when the reservation happens that counts, not WHEN you make it that is the issue.