New Reservation at 7mos - Less Points - What Happens to Borrowed Pts?

[SuzGM84]

So I woke up at 1am thinking about this question. Which I guess is better than waking up at 1am thinking about work? Either way - Serious first world probs. Since I don't have an answer to my hypothetical, I'm bringing it to the boards to ease my crazy brain and not wake up at 1am worrying about 2 points!

Hypothetical:
I have 218 points for Dec 18UY. I intend to book 4 studios at the 11 mo mark at my home resort (SSR), standard views, 5 nights. Total points - 220 points. I will obviously need to borrow 2 points from 19UY. I intend to call MS at 7 mos to try and change all 4 rooms over to OKW which would be a total of 200 points [side note - I know this might not work/be available but that's why this is a hypothetical - trying to cover all my bases here/understand what would happen so I'm prepared for future scenarios]. So if I switch my reservations to OKW, I've now freed up 20 points but what happens to my 2 borrowed points?

1) do the 2 19UY points go back to 19UY?
2) are the 2 19UY points used for my new OKW reservations (b/c borrowing is a final transaction) and I'm left with 20 18UY points (that I could then bank into 19UY)?

 

[davper]

1) No
2) Make sure you get MS to use the borrow points first. It may not matter if it is after the banking deadline.

 

[hlhlaw07]

So I woke up at 1am thinking about this question. Which I guess is better than waking up at 1am thinking about work? Either way - Serious first world probs. Since I don't have an answer to my hypothetical, I'm bringing it to the boards to ease my crazy brain and not wake up at 1am worrying about 2 points!

Hypothetical:
I have 218 points for Dec 18UY. I intend to book 4 studios at the 11 mo mark at my home resort (SSR), standard views, 5 nights. Total points - 220 points. I will obviously need to borrow 2 points from 19UY. I intend to call MS at 7 mos to try and change all 4 rooms over to OKW which would be a total of 200 points [side note - I know this might not work/be available but that's why this is a hypothetical - trying to cover all my bases here/understand what would happen so I'm prepared for future scenarios]. So if I switch my reservations to OKW, I've now freed up 20 points but what happens to my 2 borrowed points?

1) do the 2 19UY points go back to 19UY?
2) are the 2 19UY points used for my new OKW reservations (b/c borrowing is a final transaction) and I'm left with 20 18UY points (that I could then bank into 19UY)?

#2--The borrowed points should be used first for the OKW reservation leaving extra current points that you can then bank. If it doesn't happen automatically, shouldn't be anything a phone call to MS won't fix.

 

[SuzGM84]

Thanks folks. That's what I figured would happen based upon my understanding of banking/borrowing. The 7mo change would be in Feb 2019, well before my banking deadline of July 2019 (for my 18UY points).

 

[BillPA]

Just be aware, you will not get 4 studios near each other at OKW, maybe in a building or 2 away form each other. If you are looking at Dec 2019, you odds are slim to get any studios at 7 months, almost 0 chance to get 4 of them. Good luck.