If I have 50 points from Sept 08 UY and I will need to use those points to make a reservation for Dec 09, do I have to bank those point BEFORE I make the reservation, or can MS do it at the same time--i.e. at 9 AM tomorrow on the same phone call--or should I bank them first online---and if I do it online (say at 8 AM), how long does it take to show up--by 9 AM? thanks, Elaine