Question about Borrowing Points

[DisneyStarWisher]

We plan to go to Aulani in 2020. When I was looking at our points for the next couple of years, I realized there might be a problem. Here's what I want to do:
I have a June UY and we are planning on a July trip.
I will probably have 26 2019 AKV points that I will bank into 2020. I want to use those plus 100 2020 points. I also have two HHI contracts. For those, I will have 49 2019 points banked into 2020. What I want to do is use only 8 of those and then borrow 11 AKV points from 2021. I'm worried though that they will not let me borrow those points since I will still have available HHI points in my 2020 UY, some of those being 2019 banked points. I hope this makes sense. Can I borrow the 11 AKV points? I need to keep the HHI points for a family reservation.

 

[CarolynFH]

Whenever I've had to borrow points, the website has always asked me to specify how many points to take from each contract. I didn't have to take all available points from one in order to take some from the other. We only own one resort and almost never deal with banked points, but I don't see why you'd be forced to use all available points in one contract before being able to use some from another, as long as all were eligible to be used for the reservation you were making.

 

[DisneyStarWisher]

The reason I'm thinking I can't do it is because I thought I read on the boards that you can't borrow points to fulfill a reservation until all current points are used first. I've heard some suggestions saying to make a dummy reservation, then book the desired reservation, then cancel the dummy reservation. Does anyone know if I will have to do this?

 

[CarolynFH]

The reason I'm thinking I can't do it is because I thought I read on the boards that you can't borrow points to fulfill a reservation until all current points are used first. I've heard some suggestions saying to make a dummy reservation, then book the desired reservation, then cancel the dummy reservation. Does anyone know if I will have to do this?

I've seen that advice in regard to buying One-Time Use points, but I don't remember seeing it in relation to borrowing points. Hopefully someone else with experience will see this and answer definitively!

 

[KAT4DISNEY]

Perhaps MS can help you because there will be an issue to used just 8 banked points from a contract once you select it to be used. The system will want to use all the current points from it before even starting to ask you to borrow. I'm sure it would be possible to get creative if MS says they can't help but if they can that would be one thing to try.

Actually, maybe the easiest is to do a fake reservation somewhere that requires borrowing the AKV points you want to use. Once that is done it will be easier to get done what you want. You would cancel that reservation that borrowed in the 11 points and then the system would want to use them first. It will still want to take all banked HHI points first but that becomes easier for MS to reallocate if necessary.

 

[BillPA]

Going in the summer time, you will most likely need the 11 month booking window. You might start looking for a member to rent/swap points.

 

[DisneyStarWisher]

Going in the summer time, you will most likely need the 11 month booking window. You might start looking for a member to rent/swap points.

Oh, I figured since July is Premier Season, it would be easier. In fact, I just went in and could book for 7 months out today for August 28 in a poolside studio for a whole week, and that is for the lower Magic Season. I was hoping I would be ok since I would try right at 8 a.m. 7 months out.

Perhaps MS can help you because there will be an issue to used just 8 banked points from a contract once you select it to be used. The system will want to use all the current points from it before even starting to ask you to borrow. I'm sure it would be possible to get creative if MS says they can't help but if they can that would be one thing to try.

Actually, maybe the easiest is to do a fake reservation somewhere that requires borrowing the AKV points you want to use. Once that is done it will be easier to get done what you want. You would cancel that reservation that borrowed in the 11 points and then the system would want to use them first. It will still want to take all banked HHI points first but that becomes easier for MS to reallocate if necessary.

Ok, so here is what I'm thinking I need to do.
AKV
2020: 126 banked and current points + borrow 11 points = 137--use to book Aulani

HHI
2020: 149 banked and current points---Use 141 to book a HHI GV for November 2020 for 3 nights. I can book as early as December 1, 2019. That leaves 8 points. A couple weeks later, I would be 7 months out for Hawaii for July (trying to get our 30th anniversary). I would use the 8 points to book Aulani. Then I would cancel the HHI GV, which would put the 49 banked points plus the 92 current points back into my 2020 UY. I plan to use those points for a HHI 2 BR and a studio for the next summer for Memorial Day week (2 nights during my 2020 UY for 94 points and 3 nights during my 2021 UY for 141 points).

This would allow me to go ahead and book online right at 8 a.m. since there would only be the 137 AKV points and the 8 HHI points available to use in my 2020 UY. Then the system will allow me to borrow the 11 AKV points from 2021.

Of course, this is assuming points charts don't change. If they do, I'll have to adjust some things.

 

[BillPA]

You say in the original post you want to go in July, if you look, the best you can find now is 2 days in a studio. Good luck.

 

[DisneyStarWisher]

You say in the original post you want to go in July, if you look, the best you can find now is 2 days in a studio. Good luck.

But that is 6 months out from now. I plan on booking 7 months out. My guess is there would have been availability if I had looked last month. Am I wrong in my thinking? I thought the hard-to-get months were Adventure and Choice Seasons because the points were so much lower. We are very flexible on our dates except I would prefer our anniversary date. We will probably start trying in early December to book early July and keep going until we get something. We want 5 nights in a studio.

 

[cvjw]

I can tell you from my personal experience that I tried to make a reservation one time with member services using only banked points from 4 contracts. No current year points, only banked points to use them all up.

The cast member told me that was impossible - her computer system would only allow her to switch to a different contract after using ALL of the available points from the first contract. Banked plus current points.

Not sure if that is still the case or not.

 

[DisneyStarWisher]

I can tell you from my personal experience that I tried to make a reservation one time with member services using only banked points from 4 contracts. No current year points, only banked points to use them all up.

The cast member told me that was impossible - her computer system would only allow her to switch to a different contract after using ALL of the available points from the first contract. Banked plus current points.

Not sure if that is still the case or not.

Well if that is still the case, it shouldn't be a problem then. First, I will use all my banked plus all but 8 current HHI points to book the dummy reservation. Then I will use all my banked plus all my current AKV points to book Aulani. I will then switch to my HHI contract to use the remaining 8 current points. That should allow me to borrow the 11 AKV points to finish the reservation. I will then cancel the dummy reservation.

Can anyone tell me if this is correct? Are my plans in the previous post what I need to do?

 

[KAT4DISNEY]

I can tell you from my personal experience that I tried to make a reservation one time with member services using only banked points from 4 contracts. No current year points, only banked points to use them all up.

The cast member told me that was impossible - her computer system would only allow her to switch to a different contract after using ALL of the available points from the first contract. Banked plus current points.

Not sure if that is still the case or not.

That is incorrect. Online you could book right now and it would use the banked points from all contracts you selected that had them. Then it would go to current points in the order you have the contracts selected.

And if you leave a contract unselected that has banked points it won't use it.

 

[DisneyStarWisher]

That is incorrect. Online you could book right now and it would use the banked points from all contracts you selected that had them. Then it would go to current points in the order you have the contracts selected.

And if you leave a contract unselected that has banked points it won't use it.

Kat, thanks for clearing that up. Can you tell me if my plan will work? Is it true that I will need to use all current points from all contracts before I can borrow?

 

[KAT4DISNEY]

Kat, thanks for clearing that up. Can you tell me if my plan will work? Is it true that I will need to use all current points from all contracts before I can borrow?

No, but it will want to use all current points from any contract you select to use before it borrows.

It's also not going to work to book a single dummy reservation with your HHI points because it will use all the banked points first before current. You need to reserve those 8 points and then book with the banked and current HHI, then you'd be free to cancel the 8 point reservation and book everything online with those 8 points plus the AKV points. There's probably some other way to go too but that would keep it all online if you can find something for 8 points to reserve.

 

[DisneyStarWisher]

No, but it will want to use all current points from any contract you select to use before it borrows.

It's also not going to work to book a single dummy reservation with your HHI points because it will use all the banked points first before current. You need to reserve those 8 points and then book with the banked and current HHI, then you'd be free to cancel the 8 point reservation and book everything online with those 8 points plus the AKV points. There's probably some other way to go too but that would keep it all online if you can find something for 8 points to reserve.

But I think I would be ok for the dummy reservation to use all the banked HHI points. They are 2019 points banked into 2020, and the fake trip would be for November 1-3, 2020. The July 2020 Aulani trip would then use the remaining 8 points from my 2020 UY, thus allowing me to borrow from 2021 points in any contract. When I cancel the dummy reservation, the 49 banked points would be put back into my 2020 UY, and then I would use all of them up for May 30 and 31, 2021 (which is still in my 2020 UY).

I only need 8 points for the Aulani reservation from my HHI contracts. I wouldn't want to use them for a dummy reservation because then they wouldn't be available to use when I book Aulani.

Please tell me what part of my thinking is incorrect.

 

[supersnoop]

No, but it will want to use all current points from any contract you select to use before it borrows.

It's also not going to work to book a single dummy reservation with your HHI points because it will use all the banked points first before current. You need to reserve those 8 points and then book with the banked and current HHI, then you'd be free to cancel the 8 point reservation and book everything online with those 8 points plus the AKV points. There's probably some other way to go too but that would keep it all online if you can find something for 8 points to reserve.

I don’t think that’s true. I think it will use borrowed points the same way it allocates banked points, before current points. The question is, will the system allow you to borrow points online when it doesn’t think borrowing is necessary. I’m not sure, and I’m not going to test it, but I’m pretty sure it will. I think the OP’s plan is doable online.

 

[KAT4DISNEY]

But I think I would be ok for the dummy reservation to use all the banked HHI points. They are 2019 points banked into 2020, and the fake trip would be for November 1-3, 2020. The July 2020 Aulani trip would then use the remaining 8 points from my 2020 UY, thus allowing me to borrow from 2021 points in any contract. When I cancel the dummy reservation, the 49 banked points would be put back into my 2020 UY, and then I would use all of them up for May 30 and 31, 2021 (which is still in my 2020 UY).

I only need 8 points for the Aulani reservation from my HHI contracts. I wouldn't want to use them for a dummy reservation because then they wouldn't be available to use when I book Aulani.

Please tell me what part of my thinking is incorrect.

Yes, that should work then if it doesn't have to be banked HHI points and your ok with current.

 

[KAT4DISNEY]

I don’t think that’s true. I think it will use borrowed points the same way it allocates banked points, before current points. The question is, will the system allow you to borrow points online when it doesn’t think borrowing is necessary. I’m not sure, and I’m not going to test it, but I’m pretty sure it will. I think the OP’s plan is doable online.

The system won't look to borrow if you have enough banked and current points in the contacts you are selecting to use. If you had a contract that you had banked and current points but never selected it then it would look to borrow from the contracts you selected. It is correct it will used borrowed points first then banked then current but the points have to already be borrowed to do that.

 

[supersnoop]

The system won't look to borrow if you have enough banked and current points in the contacts you are selecting to use. If you had a contract that you had banked and current points but never selected it then it would look to borrow from the contracts you selected.

True, if you are using one contract and have enough currently-available points in that one contract to cover the whole trip. I don’t think that’s the case in the OP. They should be able to borrow a few points from one contract during the booking process. At that point, all banked and borrowed points in all selected contracts will be used before any current points.

 

[KAT4DISNEY]

True, if you are using one contract and have enough currently-available points in that one contract to cover the whole trip. I don’t think that’s the case in the OP. They should be able to borrow a few points from one contract during the booking process. At that point, all banked and borrowed points in all selected contracts will be used before any current points.

They want to use both AKV contract and HHI. Between the two contracts they have enough to cover so none would need to be borrowed if they just booked straight out.