Sorry..let me try again…You can’t get any 2023 points Into your account no matter what because you already received 2023 points. It’s based on the UY of the points that get transferred.
You can get 2024 UY points from other UYs, but that person has to have started their 2023 UY in order to transfer you their 2024…because we are allowed to transfer out the current and next UY.
So, right now, anyone with Feb, March or April UY, can transfer the 2024 points…those points would retain their own rules which means, not eligible for any trip before the start of the points 2024 UY.
Once we hit June, then a person with a June UY could transfer you their 2024 points…and so on…but, for example, I can’t transfer you my Aug 2024 points today, because I am still in my 2022 UY…I can send 2022 or 2023…but on Aug 1st, once I enter my 2023 UY, then I can do both 2023 and 2024.
Hope this makes more sense. And you are correct that you can bank, but you just want to start with the time of the trip and make sure any points you get can be used then without needing to borrow them.
If you tell me your UY and the time of your trip, I might be able to give you more specific info to help!