question, if you have april use year and bank 100% of your points by sept 29, but last minute the following february you decide you want to make a trip feb28- march 4. what do you do. the points for the april use year do not come til april first. what would you do. just borrow points from next year? and if so, how does that effect the points you banked from the following year. Also, if you have til say sept 29 to bank your points and have a trip that you have to cancel say july 4, can you book the trip within 31 days from your banking window , say aug 31 - sept 5?