Banking then borrowing affect on next year

ChimneyJim

Mouseketeer
Joined
May 27, 2012
We banked all our 2020 points earlier this year. We've now had a change and have borrowed from 2021 to travel later this year.

How does this affect our points next year? Am I correct that the full amount we previously banked will still be there next UY and have to be used? The points that we just borrowed are 2021 points so we will see the amount that could be banked next year lessened by the amount borrowed? Clear as mud?
 
We banked all our 2020 points earlier this year. We've now had a change and have borrowed from 2021 to travel later this year.

How does this affect our points next year? Am I correct that the full amount we previously banked will still be there next UY and have to be used? The points that we just borrowed are 2021 points so we will see the amount that could be banked next year lessened by the amount borrowed? Clear as mud?
The 2020 points that you banked into next year will have to be used by the end of your 2021 UY.

The number of “current” points in your 2021 UY will be reduced by the number that you borrowed into 2020. Those “current” 2021 points can be banked into 2022.
 
The 2020 points that you banked into next year will have to be used by the end of your 2021 UY.

The number of “current” points in your 2021 UY will be reduced by the number that you borrowed into 2020. Those “current” 2021 points can be banked into 2022.
OK! Thank you very much.
 
If you banked 100 points from a June 2020 contract into June 2021, that leave you with zero points in June 2020 and 200 in June 2021 (100 banked and 100 current). But if you borrowed 100 June 2021 into your June 2020 contract, you have 100 (borrowed) in June 2020 that will expire on May 31, 2021 that cannot be banked. That will leave you with 100 banked June 2020 points in your June 2021 UY. Those will expire on May 31, 2022 and they cannot be banked a second time.
 



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