Here's the situation for all of you mathematical folks.
I spent 20,000 thank you points + $27 for taxes for a United flight to LA. Ticket was $395.
I am canceling my trip.
Option #1) forfeit the 20,000 points + $27 and ignore the ticket.
Option #2) United takes 150 from the 395 ticket and issues me a credit for 245 to use by next year.
What to do?