In Jan we borrowed 25 pts to stay in Kaanapali when a week opened last minute. We prepayed for our late Jan Beach House week to access those 25 pts. Supposedly they never took them? They could be correct but since then we have had a June Pinon Poi te week come live which we still have half a bucket of points left in. We just now paid for our October Pinion Pointe week and they took the 25 points from that. We have a review going now as we don't want to take points from our new week when we still have Points from our June week. So not a huge deal but the moral is keep a close eye on your points , especially if you borrow. I assumed that we would be borrowing from the week we prepayed for , our Jan week. It actually may not be a big deal as we would use all our points if our Ka'anapali summer wait list comes in, big if, fingers crossed.