Could one use leftover points for full Y (refundable ticket) for exchange/later use.
If there are points left over after 11-12 months (before annual fee becomes due) and wants to cancel, could a person buy a fully refundable airline ticket and refund it later?
Say if there are 60K pts left, why not buy a full Y ticket (or more) and use it for later. Of course, one has to be able to redeem it online or do ticket by mail if one wants to exchange them.