Sequence of events for banking/transferring

[Peter C]

Hello everyone! I just wanted to double check my thought process here and get your expert opinions. I have 2 separate contracts at same resort, VGC. 75 points on a Feb UY. 107 points on a Mar UY. I will primarily be using them for a vacation every other year and combining them to book. I know there are quite a few rules for banking/transferring.

So let's say in May 2019 I want to take my vacation which will cost 410 points. For 2018 points let's assume I am not using any that year and will put all towards that 2019 vacay. Assuming banked or borrowed points can not be transferred, I would first transfer 107 Mar 2018 points to Feb 2018 account, making it 182 points (107+75) now in Feb 18. Next, I bank these to Feb 2019, making it 257 (107 Mar 18 + 75 Feb 18 + 75 Feb 19). Then I transfer the 107 Mar 2019 points to the Feb 2019 pool, giving me 364 points. Am I good so far? Ok, so this is where it gets a bit confusing to me. I understand that transferred points can not be borrowed. So there is no way to combine the 2020 points and get them both in the Feb 2019 pool. However, I can borrow up to the 75 Feb 2020 points correct? So borrow the 46 points I need from Feb 2020, giving me the 410. Am I correct thinking I can do this?

Next, this would leave me with 29 Feb 2020 points and the entire 107 Mar 2020 points. Then I could transfer the 29 Feb 2020 points to March 2020, giving me 136 points which could then be banked to Mar 2021 where I repeat a version of this process again.

Thanks for bearing with me through this brain bender. I guess my questions are, is the logic above good with the rules in place? Am I correct in my understanding that there would be no way to borrow both Feb and Mar UY points to the previous year to have to total of 546 points available for a single trip? Thank you very much everyone.

 

[LauraLea]

The easiest way to do this is to make 2 reservations (one from each of the UYs) and then have them linked. Book all the nights you can with one UY and the rest of the nights with the other.

Laura

 

[disneynutz]

Easiest way is to sell one of the contracts and buy the same UY. After only one miss-calculation and point issues you understand why one UY is easier. We Have two due to ignorance and transferring was nothing but problems. Now we don't transfer and rent the odd UY out.

Bill

 

[Peter C]

Easiest way is to sell one of the contracts and buy the same UY. After only one miss-calculation and point issues you understand why one UY is easier. We Have two due to ignorance and transferring was nothing but problems. Now we don't transfer and rent the odd UY out.

Bill

That's probably a great idea. I'll just keep my eyes open for the right one and try to sell at the same time.

 

[maburke]

It is trickier with two uy's, but I'm not sure it warrants the expense of selling and re-buying, especially with closing costs for VGC being even higher than Florida. The key to making an every-other-year strategy work is to make sure that you are always in BORROW mode (even if it goes against your nature). Then you'll never lose points because you can't bank them forward twice.

 

[KAT4DISNEY]

That's probably a great idea. I'll just keep my eyes open for the right one and try to sell at the same time.

I would not go thru that expense simply to have a little ease of tracking. What you outlined in the first post is correct so I'd say you have a sound enough understanding of how the transferring would work.

We have 2 UY's and though I did a transfer once, maybe twice, for the most part I now just book dates in each UY and have them linked as continuing stays. VGC is not great about this because they are on a different system than WDW but if it's just one linking it's not bad to handle - you just have to verify at check in that they have you in the same room and then check out and back in on the day it changes. By skipping the transferring you also can still do all the booking online and then just send an email or chat to have the reservations linked. If you transfer then you won't see all of the points online and will have to call in to make the reservation.

 

[Peter C]

Thanks for all the input! I did Laura's option of booking 2 separate reservations and combining and ran the numbers with that. Was much simpler. Here is what I came up with if anyone is interested. Thanks again


https://imgur.com/a/6blJ6