I have a dec uy. I have 280 2020 points left. I have to use or bank by July correct? If I bank them, they go into the 2021 year, so when would they be available to use to book a trip? Does the trip have to start after December 2021? I am probably going to end up renting them out and I'm just trying to decide when I need to start trying to do that. We don't have any plans to go at all until after summer 2022. Then we were going to bank our 2022 points for a longer stay in 2023 in a 1-2 bdrm instead of a studio. Am I thinking about this wrong? Is there something else I should be doing? I thought I understood all of this when we purchased, but now that I'm actually doing it I am second guessing myself.