DVC borrowing question and timeline

I have a silly question on cancellations/banking points. I have an August UY contract. I’ve booked two nights in December using 14 2021 points and 10 banked 2020 points. If I cancelled the second night (10 points), the first night would still use up my remaining banked points. So the cancelled points should be my 2021 points. Can I still bank them to 2022 if I want to? Or by booking them and cancelling do they now have to be used in 2021?

WAIT

No you’re just getting those points

Yes you can bank them

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Whew! Okay, I was just writing to say … I don’t have them yet! Thank you!!

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You’ll have to bank them by ??end of Feb 2022

Use years are tricky math LOL

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I know, right? I’m so confused sometimes! The contract I bought had all of these points that had to be used by certain dates … I think I have them all used up now! But those last 10 points might be nice to bank into the next year.

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End of March I think for August UY?

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Yes, end of March

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I barely keep track of my own LOL I was guesstimating

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