Borrowing question?

[*pixie*]

We are planning on booking a stay for June 1-9, 2019 at a non-home resort so our booking window will open next month. Our use year is June. Since our stay is in 2019, will I be able to borrow 2020 points when I book?

 

[Deb & Bill]

We are planning on booking a stay for June 1-9, 2019 at a non-home resort so our booking window will open next month. Our use year is June. Since our stay is in 2019, will I be able to borrow 2020 points when I book?

Your June 1-9, 2019 trip will fall in your June 2019 UY. That means you can use banked June 2018, current June 2019 and borrowed June 2020 points. So, yes.

 

[*pixie*]

Thank you so much, that's what I thought, but the booking dates/trip dates always throw me a little!

 

[BillPA]

Just remember, borrowing and banking are not reversible.

 

[*pixie*]

Just remember, borrowing and banking are not reversible.

Thanks for the reminder!

 

[E2ME2]

Just remember, borrowing and banking are not reversible.

I remember! -- but please elaborate
Once borrowed, points can't be put back in future use year if a change in plans arises??

 

[supersnoop]

I remember! -- but please elaborate
Once borrowed, points can't be put back in future use year if a change in plans arises??

Correct. They have to be used within the use year into which they were borrowed or banked.

 

[E2ME2]

Correct. They have to be used within the use year into which they were borrowed or banked.

Thanks for clarifying. We plan to borrow from 2020 for a GV at SSR in Jan of 2020, so that's coming up in Feb. 2019.
I'll need to make sure DD/SIL & DS/DIL are committed to those dates.

 

[supersnoop]

Thanks for clarifying. We plan to borrow from 2020 for a GV at SSR in Jan of 2020, so that's coming up in Feb. 2019.
I'll need to make sure DD/SIL & DS/DIL are committed to those dates.

If you end up downgrading to a small (fewer points) room, your reservation will use the borrowed points first and then your current-year points could be banked into 2020. If you’ll still go, at least you can hedge your bets.

 

[E2ME2]

If you end up downgrading to a small (fewer points) room, your reservation will use the borrowed points first and then your current-year points could be banked into 2020. If you’ll still go, at least you can hedge your bets.

Oh good.
That helps-thanks.
Winds up swapping points from borrowed to banked, I like that!