We went to a time share tour/class today at the end we're offered a time share first it was $49k for 25000 points a year . When we said no way it went to $12,900 for 34000 points a year with a free week every year. Gold cards the whole nine . Wanted $1850 down and payments were around 250 a month plus a 600 dollar yearly fee. I'm not sure if that's good or not. Apparently it was one that someone else just wanted out of that had paid off nearly 2/3 of it. Any advice is good advice were brand new to this. Thank you all.