Trying to figure out our UY stuff...

[luvmychaos]

and it makes my brain hurt If our UY is April, our 2019 points are showing. If I wanted to book a 2019 trip at our home resort(which I thought I could do because it’s in the window), it’s saying I need to borrow points from 2019? But we have points in for 2019 so why borrow? Also, if I “borrow” from that year, for a trip in 2019, if I canceled to say change dates, would those points go back into 2019 or would they go into 2018 since that’s the year I made the rezzy in? I am so confused
I thought I could make a Rez since I’m in my 11 month home resort window so the whole borrowing thing threw me for a loop. BTW-if it wasn’t glaringly obvious we are VERY new DVC members and haven’t even made one trip yet with our points (that’s scheduled for Sept 2018).
Many thanks for any insight!!!

 

[Cyberc1978]

First off welcome home.

Secondly Your 2019 points are available for any reservations between 04/01-2019 - 03/31-2020. Your 2018 points are good for reservations between 04/01-2018 - 03/31-2019

If all of your 2018 points are used and you try and make a booking for i.e. 12/1-2018 then you would need to borrow from your 2019 UY. If you borrow and later on need to cancel then the borrowed points will return to the UY in which they were borrowed into meaning they would stay in 2018. Borrowed points can't be banked and they would expire 03/31-2019. Borrowing is a final transaction and can't be reversed.

When are you trying to make a reservation?

 

[hlhlaw07]

and it makes my brain hurt If our UY is April, our 2019 points are showing. If I wanted to book a 2019 trip at our home resort(which I thought I could do because it’s in the window), it’s saying I need to borrow points from 2019? But we have points in for 2019 so why borrow? Also, if I “borrow” from that year, for a trip in 2019, if I canceled to say change dates, would those points go back into 2019 or would they go into 2018 since that’s the year I made the rezzy in? I am so confused
I thought I could make a Rez since I’m in my 11 month home resort window so the whole borrowing thing threw me for a loop. BTW-if it wasn’t glaringly obvious we are VERY new DVC members and haven’t even made one trip yet with our points (that’s scheduled for Sept 2018).
Many thanks for any insight!!!

It sounds like you are trying to use 2019 in your 2018 UY. If you have an APR UY then any use of 2019 points would have to be through borrowing for a reservation before APR 2019 (which if you are in your 11 month window, you have to be scheduling a reservation in your 2018 UY as APR 2019 is still 12 months away)

 

[keaster]

What is the date of the trip you are trying to book? Is it before March 31, 2019? If so then yes, you will have to borrow from you 2019 UY (if you don't have enough points in your 2018 UY.)

 

[Best Aunt]

If our UY is April, our 2019 points are showing.

I'm confused. Right now you are in a Use Year which runs from 04/01/2018 to 03/31/2019. I think of those as your 2018 points.

The Use Year after that runs from 04/01/2019 to 03/31/2020. I think of those as your 2019 points.

Not sure why you say that if your UY is April, your 2019 points are showing.

 

[CarolMN]

luvmychaos - Spend some time with this thread:

Understanding Use Year

You'll soon b e answering the use year questions.

Not sure why you say that if your UY is April, your 2019 points are showing.

On the Dashboard screen on the Member's Website, it always shows the current use year's points and the following use year's points. For an April use year, that would be the 2018 and 2019 points. I have an August use year. My Dashboard shows 2017 points and 2018 points. On August 1, 2018, it will roll over to show my 2018 points and my 2019 points.

 

[disneynutz]

Points need to be banked during the first 8 months of your UY. Your UY is not a calendar year. Points need to be available during the dates of your stay, not when you make the reservation. Banking moves points one UY forward, borrowing moves points one UY back. Banking and borrowing are final transactions and can not be reversed.

Bill

 

[supersnoop]

which I thought I could do because it’s in the window

April 2019 isn’t in the 11-month window yet, so there’s no way you could be booking a reservation that would use your 2019 points without borrowing them.

 

[Sandisw]

Your points are always there. The UY simply lets you know when those points become eligible for reservations. With an April UY, points become current year points from April 1st to March 31st of following year. Therefore, April 2019 UY points are good for trips between April 1st, 2019 - March 31st, 2020. If you want to use them before April 1st, 2019, then you need to borrow them into you 2018 UY (your current UY that runs until March 31st, 2019). Everything is based on the UY you will travel. Once you know this, then you can book a trip with points you have banked from the UY prior to travel, points from the UY of travel, and borrow points from the UY after travel.

 

[luvmychaos]

First off welcome home.

Secondly Your 2019 points are available for any reservations between 04/01-2019 - 03/31-2020. Your 2018 points are good for reservations between 04/01-2018 - 03/31-2019

If all of your 2018 points are used and you try and make a booking for i.e. 12/1-2018 then you would need to borrow from your 2019 UY. If you borrow and later on need to cancel then the borrowed points will return to the UY in which they were borrowed into meaning they would stay in 2018. Borrowed points can't be banked and they would expire 03/31-2019. Borrowing is a final transaction and can't be reversed.

When are you trying to make a reservation?

Thank you! After I had posted, I started thinking and realized that yes, indeed, I’d be borrowing 2019 for a 2018 trip, even though the date was 1/23/2019. Good thing I didn’t book it! Thanks again!

 

[luvmychaos]

April 2019 isn’t in the 11-month window yet, so there’s no way you could be booking a reservation that would use your 2019 points without borrowing them.

Yeah, I figured that out after I asked AFTER April 2019, the points would be from 2019, for a 2019 trip Thanks for the help!

 

[luvmychaos]

Points need to be banked during the first 8 months of your UY. Your UY is not a calendar year. Points need to be available during the dates of your stay, not when you make the reservation. Banking moves points one UY forward, borrowing moves points one UY back. Banking and borrowing are final transactions and can not be reversed.

Bill

After staying up waaaay too late, I figured it out. Thanks to the Dis! I appreciate the help!

 

[luvmychaos]

luvmychaos - Spend some time with this thread:

Understanding Use Year

You'll soon b e answering the use year questions.



On the Dashboard screen on the Member's Website, it always shows the current use year's points and the following use year's points. For an April use year, that would be the 2018 and 2019 points. I have an August use year. My Dashboard shows 2017 points and 2018 points. On August 1, 2018, it will roll over to show my 2018 points and my 2019 points.

Too funny! That’s exactly what I did after I posted! It actually sunk in that anything BEFORE April 2019, would technically still be a 2018 UY trip, thus requiring me to borrow 2019’s. I am so glad I didn’t close the confirmation page because I was able to cancel and they went back to where they belong It’s definitely just the excitement of wanting to go “home” as quickly as possible

 

[luvmychaos]

What is the date of the trip you are trying to book? Is it before March 31, 2019? If so then yes, you will have to borrow from you 2019 UY (if you don't have enough points in your 2018 UY.)

It was for a January 2019 trip. Thankfully, I figured out that I would be borrowing and if we had to cancel, those points would go into 2018 as opposed to 2019. Still makes my brain hurt