If you have points that are coming in February of 2007, you will not have to borrow them to make the ressie for September 2007. You can make your ressie in October 2006. The points will be used in the use year they are from and no borrowing is necessary. If the points that you will be using are ones that you will be getting in February 2008, then those points will need to be borrowed, but you can still make the ressie in October 2006. If you don't go or ever cancel that ressie, those 2008 points will stay in your 2007 use year.
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