We have December use year and need to bank by July. We want to go on waitlist for August visit. Should we bank our current use year points FIRST before waitlisting? Because if I don't get the waitlist, I can't bank the points anymore if it's after my bank date, right? If I bank the points first, get the waitlist and decide to cancel, will the points go back to the next use year (since I banked)? Am I making sense or just confusing myself and everyone else?