I am new and unsure of this and though that someone here would be my best source of info! Thanks in advance for any help! Here is my situation: My use year is June so my banking month is November. I will be using some of my points that I get in June 05 in Jan 06 and then want to use the rest in Dec 06. Do I bank the points that I will not be using before June 06, even though I plan to make the reservation in May 06? If I should bank, how do I then proceed?