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I was checking into this as well this week.
We each had an IHG travel bank credit that will expire in early January.
I booked $75 flights for March 2024 that will likely cancel.
The kicker is the credit is either a travel certificate or future travel credit and it matters which they are for the time you have to book and/or use them.
You can not use travel credits with points.
Here is the place I ended up on United to learn about what combines and when you can use it.
