Question about banking and borrowing

[mama2tyler]

I'm hoping some of the more seasoned DVC owners might be able to help me with this issue. My use year is December. My 7 month window is June. I want to book a room for several nights I know I don't have the points for. I have a few points left that I can purchase (i bought like 10 recently so about 14 left I'm eligible to purchase). Can I buy those, bank 2017 into 2018 and borrow from 2019 for a stay in January 2018? Thank you in advance. I hope my scenario was not too confusing.

 

[DebbieB]

I'm hoping some of the more seasoned DVC owners might be able to help me with this issue. My use year is December. My 7 month window is June. I want to book a room for several nights I know I don't have the points for. I have a few points left that I can purchase (i bought like 10 recently so about 14 left I'm eligible to purchase). Can I buy those, bank 2017 into 2018 and borrow from 2019 for a stay in January 2018? Thank you in advance. I hope my scenario was not too confusing.

January 2018 would be in your 2017 use year (12/1/2017 to 11/30/2018). You an use banked 2016, current 2017, borrow 2018.

 

[mama2tyler]

January 2018 would be in your 2017 use year (12/1/2017 to 11/30/2018). You an use banked 2016, current 2017, borrow 2018.

Maybe I wasn't clear in my original post. As a matter of fact I know I wasn't and I apologize. Here's my scenario: 0 points 2016, 6 points 2017 and all of 2018. I need to bank those 6 into 2018, thus eliminating all of 2017. So now I only have 2018 to play with. Since that is the case, can I create a reservation in June using all of 2018 and borrowing 2019 or is the case that I'm already borrowing 2018 as it is? I need to bank by July but create the reservation starting in June (not my home resort). The reservation is for January 2018. I'm sorry if I'm being frustrating I just know I didn't explain clearly the first time. Thank you for your patience.

 

[momto3pirates]

I think you were clear. Having a December use year can be confusing. Even though you are traveling in 2018, it is your 2017 use year. You cannot borrow 2 years forward. You can't use 2019 points until after your use year 2018. Hope that helps.

 

[DebbieB]

Maybe I wasn't clear in my original post. As a matter of fact I know I wasn't and I apologize. Here's my scenario: 0 points 2016, 6 points 2017 and all of 2018. I need to bank those 6 into 2018, thus eliminating all of 2017. So now I only have 2018 to play with. Since that is the case, can I create a reservation in June using all of 2018 and borrowing 2019 or is the case that I'm already borrowing 2018 as it is? I need to bank by July but create the reservation starting in June (not my home resort). The reservation is for January 2018. I'm sorry if I'm being frustrating I just know I didn't explain clearly the first time. Thank you for your patience.

You are getting confused by your use year and calendar year. Your 2017 use year is 12/1/2017 to 11/30/2018. Your 2018 use year is 12/1/2018 to 11/30/2019. The date of your stay controls which use year points can be used.

A reservation in January 2018 is in your 2017 use year (12/1/2017 to 11/30/2018). You don't want to bank 2017, they would be current year for January 2018. All you could use is the 6 2017 points and borrow 2018 for a stay in January 2018.

You can't borrow 2019 for a date of stay before 12/1/2018, which is when your 2018 use year starts.

 

[bumbershoot]

UY is confusing and December has got to be the worst.

Because I have literally been known to have 10 minute IRL conversations where we just keep saying the same thing and aren't understanding each other until someone says it yet another way, maybe this slightly different way will help.

Here's my scenario: 0 points 2016, 6 points 2017 and all of 2018. I need to bank those 6 into 2018, thus eliminating all of 2017. So now I only have 2018 to play with. Since that is the case, can I create a reservation in June using all of 2018 and borrowing 2019 or is the case that I'm already borrowing 2018 as it is? I need to bank by July but create the reservation starting in June (not my home resort). The reservation is for January 2018. I'm sorry if I'm being frustrating I just know I didn't explain clearly the first time. Thank you for your patience.

You're taking a trip in January 2018.

2017 Dec UY is "naturally" for trips from 12/1/2017 to 11/30/2018.
2018 Dec UY is "naturally" for trips from 12/1/2018 to 11/30/2019.

Your 6 2017 points naturally sit in the UY for your January 2018 trip. You don't do anything with those. They are fine.

Your 2018 points naturally do NOT sit in that UY, and therefore need to be borrowed from the 2018 UY and put into the 2017 UY. In that way they can be used for your January 2018 trip.

2019 UY is naturally for trips from 12/1/2019 to 11/30/2020. The only thing you can do with those is borrow them into the 2018 year (for a trip 12/1/2018 to 11/30/2019) OR bank them into 2020 (for a trip 12/1/2020 to 11/30/2021).

Your 2019 points are not usable for your January 2018 trip.


I truly feel for December UY people! It's rough enough sometimes with a Feb UY, and (since I believe there is no January UY) you can't get closer to matching the calendar year than that! You've got my empathy, that's for sure!


(sure hope I said everything right)