Points Question

[Ms.Mouse]

This is confusing to me so I hope you can help without thinking I don't have half a brain..LOL......BUT...
I planned a vacation that I had to cancel because both of my children became expectant parents and had to cancel... Now with the banking/borrowing and what I have to use by a certain time is confusing to me... This is the breakdown as far as I have it from the dvc site...

On one contract:
Sept 2008...
Annual alotment: 180 pts.
Banked: 102 pts.
Borrowed in: 133 pts.
Borrowed out: 78 pts.
Avail. to use: 133 pts.

Sept 2009...
Annual alot: 180 pts.
Vacation pts. remaining: 47
Banked in: 102
Borrowed out: 133 pts.
used: 133 pts.

Sept 2010...
Annual alot: 180
Remaining: 180

On the other contract:
Sept. 2008...
Total ann alot: 130
Remaining pts: 0
Borrowed out: 130
Used: 130

Sept 2009...
Total alot: 130
Remaining: 130
Used: 0 ...so I do understand from here down....
Now.... Am I correct that because the points of the first contract of Sept 2008 were not all used that I have to use the 133 pts by this August 2009 because I used them and then banked them? Is this the 133 that is used on the Sept 2009 133 pts??? I'm very confused with these two banks/borrows, what I have to use now and what I can use next year... I'm having a hard time with the borrowed in/borrowed out and what I have to use and what I can use next year...Can you help???

 

[castleri]

I believe you have your thinkng straight on this and the 133 is what you need to use before the end of this UY which would be the last day of August. You then have 102 points that will have to be used by the last day of August 2010.
You could use the 47 points by the end of August 2010 or bank them into 2011 or borrow them to add to the 133 for a trip this year that ends by Aug 31. The second contract could be borrowed, used or banked depending on when you want to travel

 

[Deb & Bill]

You borrowed 133 points from your Sept 09 UY into your Sept 08 UY. Once borrowed they will expire at the end of the Sept 08 UY (Aug 31, 2009). So you have to use those for a reservation that ends before Sept 1, 2009.

In your Sept 09 UY, you have the 102 banked points from Sep 08 and 47 Sept 09 points for a grand total of 149 points for Sept 1 09 through Aug 31 2010.