We have been members for a while but rarely bank or borrow points. I have 172 points left from 2018 with an Oct UY. I plan to make a reservation for Dec 2019. Do I need to bank the 172 points before I attempt to make the reservation or will they automatically be used if I book online? I know any left will need to be banked and used by Oct 2020 but I just want to make sure I do not miss a step. Thanks