Points / Cash booking

[DBlackwell]

I want to book a trip for June 2010. I don't currently have sufficient points in my pool of current 2009 + next year 2010 points. However, my use year is FEB, so in FEB 2010, I will have sufficient points to borrow from to book the my June 2009 trip.

Since the booking window allows me to book June 2010 in as early as DEC 2009, what are my options?

1. Book as early as the booking window allows, use all my current available 2009 & 2010 points, and pay the balance with cash.

2. Same as #1, but RENT additional points needed.

3. Wait until FEB 2010, and then use "current" 2010 points and "borrow" 2011 points to pay.

4. Something other I haven't thought of?

If I choose to do number #1, my assumption is that I don't have pay the cash component until something like 60-days prior to the arrival. Is that the case? Also, by then I would be in my new USE YEAR. I don't suppose I'd be able to convert that cash payment component to borrowed points.

Ahhh...if only I had an infinite number of points to spend each year.

Thanks any clarification.

 

[DisneyPhD]

You should be able to use both banked and borrowed points along with the points from the use year the trip will be in.
For example, if you have a 100 point contract but need 250 points for a trip, use your 100 banked points from 2009, 100 points from the trip's current use year(2010) and then borrow 50 points from 2011. You don't need to wait until your 2010 use year begins to borrow 2011 points as long as the trip takes place in the 2010 use year.
Did I make any sense?

 

[DBlackwell]

ahhh... so you're saying the need to borrow points is based on the vacation date, and not the actual booking date, which in my case, are different USE YEARs. I didn't realize that. I will have to call and make my reservation.

one other question:
if i book something at my home resort and need to borrow points, but i change my reservation to a non-home resort and that reservation doesn't require as many - and no borrowed points - then what happens to the points i would have needed to borrow for the initial reservation at the home resort? are they simply returned and can be banked if not needed, or will i need to use them by the end of the USE YEAR?

Thanks again!

 

[DisneyPhD]

Borrowed points cannot be returned to their original use year, however any points used from the current use year (non-borrowed) can be taken off of the reservation and then banked if you are still within the banking window.

 

[DBlackwell]

so then if my home resort reservation included both current and borrowed points, and the non-home resort reservation didn't require borrowed points, could i choose to use the "borrowed" points from the home resort reservations, since those can't be un-borrowed, and use fewer current points that could then be banked? (did that make sense?)

 

[DisneyPhD]

Yes that should work. Just make sure member services uses the borrowed points first.