Use year and borrowing question

[Kkb0517]

I'm trying to figure out how much use year matters here. This is what I want to do in the next few years
Buy a contract with 2017 points still on it, "bank" the points to 2018
Use the 2017 points for an April 2018 vacation is wdw
Then use my 2018 points for an aulani vacation in august, however I want to get two studios (one for my mom) so I'd like to borrow my 2019 points as well (to also use in august 2018).

So in this scenario would a June use year work for me? I guess if I got a June use year then I wouldn't actually have to bank the 2017 points to use in April 2018 right?

I would mostly travel at those same times in the future. And we never have to (knock on wood) cancel vacations.

Thanks for your help!

 

[miTnosnhoJ]

In your case I would suggest an April use year. March might work as well. With an April use year, if you did have to cancel a reservation at more than 4 weeks out, then you could still bank those points into the following year through November 30.

If you had a June use year and had to cancel at more than 4 weeks out for your April trip, you would not be able to bank into the next year. You would be scrambling to use the points between April and May, and availability within 2 months is very difficult.

 

[Kkb0517]

Thank you

 

[KAT4DISNEY]

Any reservation with any UY will give you access to up to 3 years of points. The question of what UY is best has to do with protection against last minute cancellations. If that ever happens a "good" UY will give you ample time to bank if still in a banking window or rebook or rent out the points vs a "bad" that means the points would expire in the next month or two.

You want to consider what would be your normal times of travel, not just these 2 trips if they are anomalies. If April and August were going to be typical then a UY that starts just before the April trip - April, Mar or Feb - would be the best.

 

[Nie0214]

It always helps me to write it out.

4/1/17 - 3/31/18: 2017 points that must be banked by 11/30/17.

4/1/18 - 3/31/19: 2018 points that must be banked by 11/30/18.

 

[Kkb0517]

Thanks