When can you use borrowed points?

[jonslawiu]

Hey all.

I have a question about when you can borrow points- well, to be more specific wondering if I am understanding things correctly...

Our use year is August

Want to plan a big trip in October of 18, which will require 17' points (we'll bank) 18' points and part of 19's.

Obviously we want to plan out as far as we can- if we are scheduling at the 11/7 month window that is Jan/March of 18 (still our 17' use year)- will we be able to use 19' points to make a reservation?

I always was under the assumption the date of the reservation controlled, not the date you are making the reservation- insight appreciated!

 

[Marionnette]

Hey all.

I have a question about when you can borrow points- well, to be more specific wondering if I am understanding things correctly...

Our use year is August

Want to plan a big trip in October of 18, which will require 17' points (we'll bank) 18' points and part of 19's.

Obviously we want to plan out as far as we can- if we are scheduling at the 11/7 month window that is Jan/March of 18 (still our 17' use year)- will we be able to use 19' points to make a reservation?

I always was under the assumption the date of the reservation controlled, not the date you are making the reservation- insight appreciated!

You're correct. You can borrow the next year's points into the UY into which the reservation occurs. You do not need to wait until you are inside the UY that you will use for the reservation. IOW, you can make a reservation in November 2017 for an October 2018 stay using banked August 2017 points, existing August 2018 points and borrowed August 2019 points.

 

[jonslawiu]

You're correct. You can borrow the next year's points into the UY into which the reservation occurs. You do not need to wait until you are inside the UY that you will use for the reservation. IOW, you can make a reservation in November 2017 for an October 2018 stay using banked August 2017 points, existing August 2018 points and borrowed August 2019 points.

Thank you!

 

[disneynutz]

Banking moves your points one UY forward, borrowing moves your points one UY backwards. You have to have the points in the UY of your stay to use them.

Bill

 

[KAT4DISNEY]

When you go online or call in to make a reservation does not matter except that it's in the 11 month or 7 month window. The date of your trip is what determines what points you can use so in your case that is banked 2017, current 2018 and you can borrow 2019 points if necessary.

 

[Sandisw]

Easiest way for me to remember as I have a few UY's is to first figure out UY the trip will take place. Then I know that I can "pay" for the trip with points that are banked from UY prior to the trip, points from the UY of the trip, and borrow points from the UY after the trip. As mentioned, doesn't matter when you calll, just when you travel! So, with an October 18 trip, taking place in your 2018 UY, you can used banked 2017, 2018, and borrowed 2019 to book it when you call...11 months for your home resort, and 7 months for all others!

 

[chainkid]

I have a question that I need an answer to which is abit different. I have a Sept use year. I plan to take a trip to Aulani in June of 2019. I plan to bank a few points from 2018 into 2019 and use all my 2019 allotment but was not sure I would be able to borrow points from 2020 use year as my trip falls before I actually receive 2019 points in Sept. My thinking is that since my vacation date is before I am scheduled to receive 2019 pts that I would have to borrow them from 2019 use year even though vacation is actually in 2019. its very easy for me to understand when my vacations falls after use year allotment but this is first time it falls before allotment though in same calendar year. Anyone know if I'm correct . It makes a big difference on whether I can do food and wine next year and still do Aulani or if I have to skip our usual Oct trip in order to have enough for Aulani

 

[Marionnette]

I have a question that I need an answer to which is abit different. I have a Sept use year. I plan to take a trip to Aulani in June of 2019. I plan to bank a few points from 2018 into 2019 and use all my 2019 allotment but was not sure I would be able to borrow points from 2020 use year as my trip falls before I actually receive 2019 points in Sept. My thinking is that since my vacation date is before I am scheduled to receive 2019 pts that I would have to borrow them from 2019 use year even though vacation is actually in 2019. its very easy for me to understand when my vacations falls after use year allotment but this is first time it falls before allotment though in same calendar year. Anyone know if I'm correct . It makes a big difference on whether I can do food and wine next year and still do Aulani or if I have to skip our usual Oct trip in order to have enough for Aulani

A June trip in 2019 would occur during your Sept 2018 UY. You could bank 2017 points and/or borrow 2019 points to book that reservation. You would not be able to borrow 2020 points into the 2018 UY.

 

[chainkid]

That is what I thought too. Oh well can never have enough points lol

 

[GoofyDisneyDaddy]

I have a question that I need an answer to which is abit different. I have a Sept use year. I plan to take a trip to Aulani in June of 2019. I plan to bank a few points from 2018 into 2019 and use all my 2019 allotment but was not sure I would be able to borrow points from 2020 use year as my trip falls before I actually receive 2019 points in Sept. My thinking is that since my vacation date is before I am scheduled to receive 2019 pts that I would have to borrow them from 2019 use year even though vacation is actually in 2019. its very easy for me to understand when my vacations falls after use year allotment but this is first time it falls before allotment though in same calendar year. Anyone know if I'm correct . It makes a big difference on whether I can do food and wine next year and still do Aulani or if I have to skip our usual Oct trip in order to have enough for Aulani

A June trip in 2019 would occur during your Sept 2018 UY. You could bank 2017 points and/or borrow 2019 points to book that reservation. You would not be able to borrow 2020 points into the 2018 UY.

Also, to be clear, you would not want to bank your 2018 points, as you would be using them for a June 2019 trip.