The biggest issue with use year is your last day to bank that year’s worth of points is 4 months before your month. So like for me my use year is August and my last day to make my 2022 points is March 31. I can still use my 2022 points up til end of July but if I need to cancel, I will need to use them or lose them by August 1. So to make your life easier, choose a uy where most of your travel falls during that banking period. One other issue I found with uy is some have more resale contracts out. Like Dec June, and Feb seem to have ton of awesome deals. Something to think about if you plan to add on more resale later.Can you explain the reasoning to this? I keep going back and forth on various UY but it's hard because there are 3 different months we like to travel.