I am confused because according to these posts if you add on you don't pay closing costs but I was recently told differently. Also, to clarify, if I buy 50 points as an add on and don't go until Nov. of 09' would I have double points by then if my use year was before then. So if we traveled in Nov. 09' would I have 100 points by then if my use year was say in Feb??
lesley