I have a June use year. When I called today to book for May, I mentioned that I would need to bank my points next month. The CM told me that since I had less than 50% of my Total points left, I had until Feb to bank. Is that correct? I assumed that I had to bank by Nov to bank 100% of what I had left. I thought if I banked in Feb, I could only bank 50% of what I had left. I must have missed that somewhere.