Interesting. I just logged onto Bconned. My expiration is 12/31/19. I last visited in May but now that I check they seem to have added another 300 credits to my account. Not sure where that came from as all these months my account read 29xx credits. Now it's 3200 credits. Too bad about only 500 credits carrying over but it won't be difficult for me to reach the 750 credits for remain Sapphire. Especially if I go to vegas at least 2x a year. (next trip in January). But it seems like they are helping higher level people with their credits. Not sure if I would have made the 750 credits in 2019 to remain Sapphire but they added extra credits that made it easier for me to remain Sapphire. But if you are Ruby level then you suck rocks if you don't gamble enough to reach the next level. You really have to work/gamble to earn the next level.