Trying to book today and seems online is the way to go, however...

[CherylCT]

I'm confused. It's been awhile since we've used our points for WDW. I have 172 points left from our 2020 use year (Sept.) and 200 for this year but it's asking me if I want to bank or borrow. Is it saying borrow because my points aren't available until Sept.? Our trip is not occurring until then, too. Help!

 

[DL1WDW2]

The 172 (Sept Use Year 2020) expire on Aug 31 and I think your banking window ends April (?)... If your trip is after Aug 31 and you want to use those points you will need to bank them into 2021. If your trip planning requires more points it will need to borrow from your next allotment of points you receive for Sept 2021 use year.
Also need to remember that all banking and borrowing is final transaction.

Hope this is correct because I always have to rethink it for myself every year.
I would post your trip dates if you want a better explanation from somebody else cause I could be wrong If I am not understanding your question ...

Our brain wants to think in terms of a traditional Jan-Dec year but your DVC Use Year is from Sept 1 thru Aug 31 . And the trip date might be in 2021 calendar year but Aug 31 and Sept 1 are crucial dates along with understanding your banking window. And need to understand that 50% rule for the borrow transaction to complicate our brains even more.

 

[Sandisw]

You are in your 2020 UY. So you have 172 points for trips between now and August 31st, 2021

If your trip is after September 1st, then you must bank the 172. If you don’t , the system doesn’t see them as eligible for the trip..only the 200 2021 UY points which could be why it says do you want to bank or borrow..bank the 2020 to use or borrow from 2022 to book.

 

[CherylCT]

Ok...thanks. Yep, our trip is from 9/4-9/11. I banked and then made the reservation. Thanks again! I was afraid to do anything at first. LOL