Yet another UY question

[gmflash88]

I searched and read and scoured and didn't find the answer. I'm trying to narrow down what UY we would prefer so we can keep our eyes open for the "perfect" contract, but I have a question regarding UY and how it relates to banking, borrowing, and using points. I understand banking. I understand borrowing as it sits today. And I'm fairly sure I have a good grasp on the holding account. Here's my question:

Let's say I have Sep UY. It's 11/7/20. I received my 100pts on 9/1/20. Today I decide that I want to bank the points into 2021. Then, next week, we decide to take a weekend vacation in January. Do I have points to use or do I now need to borrow against 2021 points because I banked the 2020 points into the following UY?

Thanks all!

 

[Bing Showei]

That’s exactly right.

Banking and borrowing are one way transactions. As it is your trip falls within your 2020 Sep UY (9/1/2020-8/31/2021), and you banked your 2020 points, you would have to borrow 2021 points into 2020 to complete that booking (or buy up to 24 one-time-use points at 7-months or less).

Keep in mind that currently, you can only borrow 50% of points in a contract.

Is there a reason you would want to bank your 2020 points so early in the UY? Is it to make a booking? Avoiding borrowing is a compelling reason to postpone banking until closer to the 8-month deadline.

 

[Sandisw]

A trip in January 2021 is in your 2020 UY. That means you can use banked 2019: 2020, and borrow up to 50% of 2021UY points for that trip.

So, if you decided today to bank all of 2020, the. Yes, you’d need to borrow from 2021 UY.

Easiest way for me when I first became a member is to always figure out UY of the trip...forget calendar year,

Every trip, no matter when you call to book, can be paid for with banked points from the UY of the trip, points from the UY of the trip, and borrow points from the UY after the trip.

UY has no impact on when you can book as all your points are there from the start. UY simply defines the status of the points,

Pick a UY, if possible, that starts right before your typical time of travel so that you get the most flexibility if you have to cancel or change a trip. Traveling in the first 8 months of the UY is a benefit since if you did cancel, you can still bank points.

 

[gmflash88]

Thank you both.

@Bing Showei : My example is purely hypothetical. If I actually had a contract (I do not...I am in the research/shopping phase) with a Sep UY, I wouldn't bank so early as I know I don't have to do so until I'm within the 4mo mark. It was just a "what if".

@Sandisw : So to be super duper clear... Assume no other points. 2020 points are banked. Thus, 2021 UY has 200pts available. Now, I'd like to use points (let's say I need 60) for a weekend trip during the 2020 UY. Can I borrow only 50pts as that is 50% of my "regular" allotment, or can I now use 100 since that's 50% of the points available in 2021?

At the end of the day, we intend on travelling when we can and sometimes with relative short notice (workload and airfare pricing are factors). Our most likely times of year for full on planned out stays will be from early October to late December like many, many others. Currently, I'm eyeing up October, September, and August UY in that order/priority.

 

[Sandisw]

Thank you both.

@Bing Showei : My example is purely hypothetical. If I actually had a contract (I do not...I am in the research/shopping phase) with a Sep UY, I wouldn't bank so early as I know I don't have to do so until I'm within the 4mo mark. It was just a "what if".

@Sandisw : So to be super duper clear... Assume no other points. 2020 points are banked. Thus, 2021 UY has 200pts available. Now, I'd like to use points (let's say I need 60) for a weekend trip during the 2020 UY. Can I borrow only 50pts as that is 50% of my "regular" allotment, or can I now use 100 since that's 50% of the points available in 2021?

At the end of the day, we intend on travelling when we can and sometimes with relative short notice (workload and airfare pricing are factors). Our most likely times of year for full on planned out stays will be from early October to late December like many, many others. Currently, I'm eyeing up October, September, and August UY in that order/priority.

You can only borrow regular points so it’s based on contract size.

So, if you buy a 100 point contract, then you are currently limited to borrowing 50 points, even if you had banked 100 from 2020 into 2021.

Now, if you had multiple contracts, you’d be limited from borrowing 50% of each, not 50% of the total,

For example, I have 175 RIV and 300 SSR points in my Aug UY. Right now, I am limited to borrowing 88 RIV and 150 SSR,

I am not allowed to borrow all 175 of RIV, even though the membership has 475 points total, and 175 is less than half.

 

[gmflash88]

You can only borrow regular points so it’s based on contract size.

So, if you buy a 100 point contract, then you are currently limited to borrowing 50 points, even if you had banked 100 from 2020 into 2021.

Now, if you had multiple contracts, you’d be limited from borrowing 50% of each, not 50% of the total,

For example, I have 175 RIV and 300 SSR points in my Aug UY. Right now, I am limited to borrowing 86 RIV and 150 SSR,

I am not allowed to borrow all 175 of RIV, even though the membership has 475 points total, and 175 is less than half.

Perfect. Got it.

Thank you!

 

[Stargazer65]

For example, I have 175 RIV and 300 SSR points in my Aug UY. Right now, I am limited to borrowing 88 RIV and 150 SSR,

If you have an odd number of points in your contract you can borrow a half point above the 50% limit?

 

[RoseGold]

If you have an odd number of points in your contract you can borrow a half point above the 50% limit?

You'd probably crash the system and they'd make you buy a one time use point.

 

[Sandisw]

If you have an odd number of points in your contract you can borrow a half point above the 50% limit?

They round up, so for 175 it’s 88 vs, 87.

 

[masupo]

You'd probably crash the system and they'd make you buy a one time use point.

Add that to the list of things that can crash the system:

- Disney "upgrading" the site
- Borrowing points
- Logging in
- Thinking about logging in
- Using any feature of the system whatsoever