My use year is April. I did not use all my 2006 points. Have 45 left over. Did I just lose 45 points since my banking % is zero? I wanted to carry the 45 pts over to 2007, perhaps 2008. We were not planning to visit to Disney this spring like we always do.
I feel like I made a rookie mistake by not reading up on this.

I feel like I made a rookie mistake by not reading up on this.

