If I cancel my IHG cc, it won't affect my being able to use my points,right? Or will it.... Also, could I book that free night before I cancel for later use,or would I have to complete the stay before canceling in order to use it? Choices choices...... ETA(again) so I just checked P2's IHG acct, that cc got canceled when the AF came due,and I still see two night free available on the acct- so the free night stays no matter what? Unless I'm mistaken (I usually am) I know I need to cancel my premier cc, but debating keeping the $49 version....(low funds her