DH and I are getting all our info in line trying to understand the basics so we can decide soon how many points to buy. I spoke to a sales rep today and he is sending me an info packet. In the meantime...can someone explain to me how banking points works? Is there a limit as to how many points you can bank? And when do banked points expire? I'm sure this has something to do with it...but what is the signifcance of the "use date" if I can borrow future points? Sorry for all the questions...there is just too much information to try and understand upfront when you are deciding what to do. Thanks for your help.