Banking question

[Alychel1]

We just bought last month and was wondering...

Should I bank all of our points this year? We are not planning on using them right now. We might do a weekend trip to Disneyland or something small over the summer.

Would it be wise if I banked everything right now and just borrow next years points if we need to?

Thanks.

 

[Mtnman44]

just keep in mind that any points you borrow will be the next use year's points, and not banked points. The banked points will remain in the next use year and will expire if not used.

So if for example you have a 200 contract and bank all 200 points into next year and then decide to borrow 100 for this year, your points for next year would be: 200 banked (will expire), 100 bankable.

So it would be better to decide what you will need this year and keep those in this use year and bank the rest. Don't forget about banking deadlines.