Yet another banking/borrowing question....

[princess81499]

I have a December Use Year and want to plan a "bigger" vacation for August of 2009, which would require banking a years worth of points, using a year, and borrowing from the next year. My question is which year do I want to bank: the 07 points or the 08 points? I was going to call MS, but thought my fellow disers could help me out with this one.

 

[JimMIA]

August 2009 is in your 2008 UY (12/1/2008-11/30/2009), so you would want to bank 2007 into 2008 and borrow 2009. I think.

 

[Cruiser1969]

Just thinking out loud here . . .

What would happen to the borrowed points from 2009 if the OP had to cancel the Aug trip? Can they go back to 2009 or are they forever stuck in 2008?

What about the 2008 points? Since he\she would have missed the 100% banking deadline for these points, what does it mean for these points?

What about the banked 2007 points? Will the OP be forced to used these by Dec 2008?

I've often thought about this "big trip" scenario and could never figure out what would become of my points in a circumstance similar to the OP.

 

[JimMIA]

Just thinking out loud here . . .

What would happen to the borrowed points from 2009 if the OP had to cancel the Aug trip? Can they go back to 2009 or are they forever stuck in 2008?

What about the 2008 points? Since he\she would have missed the 100% banking deadline for these points, what does it mean for these points?

What about the banked 2007 points? Will the OP be forced to used these by Dec 2008?

I've often thought about this "big trip" scenario and could never figure out what would become of my points in a circumstance similar to the OP.

You're thinking quite clearly out loud.

All three of your "what if's" would be problematic if there was a cancellation. The banked and borrowed points would have to be used by 11/30/2008, and so would the '08 points if they were past the banking deadlines.

 

[Caskbill]

As stated, they all have to be in UY 2008. Sometimes a chart will help. For a December Use Year, your chart looks like this:

Use Year.....Vacation Dates
2006....Dec 1, 2006 thru Nov 30, 2007
2007....Dec 1, 2007 thru Nov 30, 2008
2008....Dec 1, 2008 thru Nov 30, 2009
2009....Dec 1, 2009 thru Nov 30, 2010
etc...

So for an August 2009 vacation you'll see that date applies to your 2008 Use Year vacation dates. Thus you would bank 2007 into 2008, use regular 2008 points, and borrow 2009 UY points into UY 2008 which basically gives you triple year points for use during UY 2008.

Hope this helps