??? re: add-on and banking

[NCRedding]

You people are giving me add-in fever. If I were able to add on with a September use year (not using Magical Beginnings), would I be buying 2002 points or 2003. If I am buying 2002 points, then would MS waive the traditional banking deadlines, so I could bank all the points added-on into 2003 use year?

 

[BillPA]

I don't think they will. You have 3 options
1) if you add-on soon, you will still be in the 50% banking window.
You combine all the points to get the 50%. So if you have 200 now and add 100, and haven't banked any yet, you can bank 50% of 300 or 150 points.
2) you can use your "once-in-a life time" banking exception.
3) Use the points now, rent or trade them.

 

[HorizonsFan]

you can use your "once-in-a life time" banking exception.

I'm not so sure they still do this. We asked last year when we had to cancel within 30 days because my mom had a heart attack. No deal; the points went into a holding account. Fortunately, my mom was ok and we were able to use the points later in the summer.

 

[NCRedding]

BillPA: Thanks, I hadn't thought of the cumulative value of my points--I can definitely bank if I add-on--it is sounding very promising!

 

[eva]

The "Once in a Lifetime" banking exception can still be used. My sister used hers when they bought their points last summer. I'm sure you were unable to because you were within 30 days of the stay. There is no exception for that. The exception is only if you are past your banking deadline. It has nothing to do with the 30 day window.

 

[ToyStory Fan]

Many have responded that you wouldn't be able to bank and added comments about being within 30 days. I was under the impression that under a purchase/add-on scenario the banking deadlines were waived for the purchase/add-on if you were already within your banking window. It doesn't make any sense that you would not be allowed to bank the full amount of your points extremem example but if you had 150 (original and banked) and added 300 and you were within the 50% bankinig window...you are all saying that you would potentially lose 75 points (50% of 450 total =225, but you have 300 to bank and only allowed 225 at this window)

Hope that's not too confusing, but at the end of the day it makes no sense because you'd potentially be at a point where you wouldn't be allowed to bank.

The obvious way around it is to do 2 add-ons, to avoid the banking window issue, but like I said before, I think the banking windows are "temporarily" waived when you do an add-on/purchase, so that once your contract closes you'd be allowed to still bank those points.

 

[disneyberry]

taking the Sept Use Year of the OP as an example.

if your Main Contract is 150pts (let's call this ContractA), and in Feb you bank all 150pts.

then, this month you add-on another 150pts. (let's call this ContractB)

before the end of May, couldn't you call up MS to bank 75pts of ContractB? this would be 50% of ContractB.

just wondering if anyone has ever gotten MS to agree to intrepret things this way. i don't believe i've read anything that says the percentage limit has to be the percentage of ALL your Contracts added up together.

 

[DebbieB]

I would talk to your guide about this. They can sometimes "pull strings" if it helps them make a sale.