Question about how points work

[mask_w03]

I know we can bank our points and use them in the next year, but can I also than borrow from the following yet?
So say I bank our 150pts from 2007 and go for a trip in 2008 and want to use my banked 2007 pts, my 2008 pts and borrow from 2009. Is that possible to do or can't I borrow. I'm trying to understand before we start to plan DD's 5thr B-day trip.. Long ways out still (2010), but I want to make sure I understand all the point things now :O)

Thanks,
Margaux
DH
ME
DD 1yr

 

[dianeschlicht]

Yes, you can always use 3 years of points by doing as you suggest. Bank one year into the next and in that second year you have access to those two years of points plus you can borrow the following year.