I should know the answer but I do not. I am considering booking a December 2015 trip. Availability is limited so I am concerned if I wait there will be less or no availability. So my question is this...if I borrow my 2016 points for this December 2015 trip and decide we will not go, what exactly will happen to my points. If I do decide to cancel, I will be cancelling over 30+1 days prior to my check in date. Thanks for your help!