I've had the "almost use points" experience a few times. After seeing Matt's post in today's AFF Gazette, I downloaded the app to turn off redemption. I had a user/password, so I expected spin up to be quick. No such luck. I'm not the app design expert, but BPme seems to be slow and clunky, and not friendly. After logging on, and after clearing at least two 2FA hurdles, I repeatedly received a "temporary error" message and the redemption switch could not be changed. Then I noticed (after logging in and out a few times) that points was disabled. So I enabled, and after an interminable period, enablement happened. THEN I was able to go to the settings and turn off the switch, and a heap of other notification switches that had been off but were now on.
Conclusion is that, weirdly and despite the setting being disabled, I was getting the "use QF points" at the counter when maybe that should not have happened?