YEt another Borrowing ?

[mickeyshellbelle]

I know this point has been discussed, but I never really paid attention until of course now it applies to me. I get the banking part, but not the borrowing part. Say I have 100 point UY April. I bank 100 2008 points and they act like 2009 pts. Now when can I borrow 2010 points. Does it have to be after April, but then I couldnt really bank and borrow and make 300? Anyone who can give a great crash course in this, I would greatly appreciate it!!

 

[DebbieB]

All points use is based on date of stay, not when you make the reservation. Say you have an April use year and want to do a May 2009 stay. May 2009 would be in your April 2009 use year (4/1/09 to 3/31/10). So you can use current 2009, banked 2008, borrowed 2010.

 

[chalee94]

you can choose to bank pts at any given time, but you only borrow when making a reservation (i.e. you would not call up MS and ask to borrow pts from 2010 into 2009 "just in case you need them.")

in debbie's case, if you are planning a stay in may 2009, you would call up in june 2008 at the 11 month window and book the nights you need...if you need more pts than you have (banked from 2008 + available in your 2009 UY), then you would need to borrow pts from 2010 to make the reservation.

(just remember that you can't put them back into 2010 if you cancel that reservation.)

 

[mickeyshellbelle]

thanks for your help-I get it now!