Reservation using banked/current/borrowed points?

[MickeyReeds]

Our upcoming reservation (BLT 2BR 6/13/2020-6/21/2020) uses DEC UY points. I have a few questions (in red) about these points and how they would have to be used if I cancel this reservation according to current policies. This is our first time using our points (resale contract) and the UY/banking/borrowing rules are confusing.

160 DEC 2018--banked to DEC 2019 Do they expire NOV 30, 2020?
160 DEC 2019--Must they be used by NOV 30, 2020? Could I bank them by July 31, 2020?
69 DEC 2020--borrowed points Will they remain in DEC 2019 UY?

I know it would be best to call MS, but I figure they are super busy right now helping people with reservations that are coming up soon.

Thanks everyone for your help!

 

[Sandisw]

If you canceled now, the banked 2018 points will remain in your 2019 UY and expire November 30th, 2020.

The 2019 UY points, provided you cancel at least 31 days in advance, will be returned with no penalty and can be banked by July 31st.

Your 2020 UY points are now in your 2019 UY and will also expire November 30th, 2020.

This is based on current rules, If the closure lasts longer in where it impacts June vacations, and they continue the temporary changes in place today, they would put back your 63 borrowed points To the 2020 UY.