Quick update my issue. Talked to member services and they confirmed my issue is because I am a resale contract and trying to borrow points. The system won't allow it. I actually was put on hold for almost 30 minutes while they were arguing about the rules and whether I could borrow! They admitted that the team that approves the borrows were interpreting the rule literally rather than how they are actually written (whatever that means). Really frustrating that I missed out on some reservations I wanted because of this. They should be communicating that to members. So we can add "ability to make online reservations with borrowed points" to the "blue card" perks!