Sadly, WORLDMARK is weakest in this area.
You’ll have to keep your own record. The only thing you’ll see is the reduction in your overall account balances (credits and tokens).
If you don’t have enough in the current use year, they will automatically borrow credits however they don’t automatically borrow tokens. For tokens, they will charge you a housekeeping fee instead unless you call and ask them to borrow the token.
As stated above, sometimes there is a delay with credits/tokens taken out of your WM account. If you have to contact WM to resolve any issues with your WM account due to an II exchange ask for a WM OWNER CARE specialist.