After the notice we got yesterday regarding the ability to borrow only 50% of our points I am not sure where I stand for next year. I had planned on borrowing from 2022 and upgrade to a 1 bedroom from our usual studio. That is not going to happen. Just want to make sure I am thinking straight on my points. I have 13 from 2020, 150 in 2021. I am booking a studio for April /May 2012 using 163 points. I am able to use all my 2021 points when I book at the 11 month mark correct ? and borrow 50%of 2022 if I want to extend my stay . My use year is March. I know this seems simple but I am always in borrowing mode and want to make sure I have a handle what I need and can do going forward.