Newbie still trying to understand borrowing/UY

[deedubb]

I hope I can explain this in a way you can understand as this all still seems somewhat complicated to me.

I have a Feb UY so the way I understand it is that I am still in my 2017 UY until then end of the month. I want to take a trip in late Dec so I would want to try to book it at the end of this month (at the 11 month mark). Although I would be booking it in my 2017 UY, the trip itself is in my 2018 UY.

So,
1) it would use 2018 points, correct?
2) I have a limited # of 2018 points due to some stripped contracts that I purchased, so I would be able to borrow 2019 points for the Dec 2018 trip, correct?
3) The way I understand it, the points would be borrowed from 2019 at the time I book my trip at the end of this month (as opposed to in Dec when I actually take the trip). So if the trip ends up being canceled, those 2019 points have to be used by Jan 21, 2019 because I have already moved them to my 2018 UY, correct?
4) Finally, even though I would be booking this 2018 trip in my 2017 UY (at the tail end of the UY), I can still borrow 2019 points for it, correct?

Hope that all makes sense and thanks for your help!

 

[_auroraborealis_]

1. It would use banked 2017 points (if you banked them), or 2018 points. You could also borrow 2019 points.

2. You can borrow 2019 points to book at 11 months, yes.

3. Yes. They are borrowed at the time of booking. If you cancelled they would have to be used by 1/31/19. They cannot be banked.

4. UY is irrelevant to the date you log in to make your booking. UY dictates points available for booking, based on check-in date.

 

[jodybird511]

1. Yes, assuming you have no 2017 points to use.
2. Yes, you can borrow 2019 points for the trip.
3. Yes, once borrowed, they stay in the new (2018) use year; however, if the trip was canceled prior to the banking deadline, you could bank remaining 2018 points to 2019.
4. Correct

 

[deedubb]

Thanks. I love this place. Everyone is so helpful.

 

[disneynutz]

Points need to be banked during the first 8 months of your UY. Your UY is not a calendar year. Points need to be available during the dates of your stay, not when you make the reservation. Banking moves points one UY forward, borrowing moves points one UY back. Banking and borrowing are final transactions and can not be reversed.

Bill

 

[poohbear6]

You are correct on all accounts. My personal preference isn't to try not to borrow because borrowed points cannot be put back