if you are speaking of your Costco annual membership there is a way to delay renewal but still have access for those of us who are wishywashy on it (in my case I go infrequently so I hate to renew and then not go for months on end). while your current membership is still active buy a handful of $10 Costco gift cards. a single giftcard gives you access and you can pay the first $10 in purchases with the giftcard and the remainder with cash or a debit card. I landed on this when I realized if you forget to renew and it's less than 90 days after your membership expires they back date the renewal

but if you wait till day 91 then that's when the new 1 year membership begins (same membership number/same Costco credit card if you have one). if your membership is not current anyone who has a membership can buy the gift cards for you.