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Is it true that you can postpone next year's points to the following year by "depositing them" for free and then borrowing them back as needed also for free? I am thinking about rescuing my 2009 points to use in 2010 and then deferring 2010 points until 2011. If they can be deposited for free before December 31st, why not do this every year to avoid paying a rescue fee in the current year?