You should be able to make a ressie as soon as you've made a deposit. Call tomorrow and check with MS if they have a # for you. I purchased Feb 3 and when I called two days later to make a BWV ressie, they already had my BCV points in the computer-CC hadn't even been charged yet. Basically since you won't be travelling until after you've closed, they allow ressies to be made, provided you have enough points in the current use year. You can not borrow until after you close. They must have some check and balance that if you don't close any ressies are automatically cancelled.