Due to holiday bills, I most likely will not be able to make my dues payment until about January 25th. I seem to recall that there is a grace period for receipt of payment until February 15th or so. Here's my question! I will need to be speaking with member services around the 28th or so of this month concerning banking some points. (It's complicated, August use year, won't know until later this month what I need to bank!) Will Member services do this transaction? I read on the member site that they will not do any banking if dues are not up to date. Thanks for any insight!!!!