Originally posted by anniet
I could be wrong about this, but here's what I think this is.
Usually Disney offers "Magical Beginnings" where they offer you your points, with a backdated use year.
So say you buy with a Dec. use year. They may say..."Your contract will begin December of 2002 and you can either keep those points (and pay for them of course) OR we will buy them back from you at X dollars per point."
I was considering purchasing BCV -preconstruction and they offered a MB at $5 per point, but we took VWL instead (which we really wanted) and got a MB of $10 per point.
It also could be that they are telling you that you will have access to 2004 points, since you can always BORROW your points from the next year, however, you will not get any additional points for 2004 because you have borrowed them. So if you were to use all your 2004 points in early 2004, you would no longer have points available unless you STAYED in a borrowing mode from year to year.
By the way Dianeschlict- I go in January all the time too and I have an August use year. I did not realize the importance of use year when I purchased, but my guide must have......December is my last chance to bank 100% if we cancel 31 days out!