Debating what I want to do on a second 6,000 credit ownership currently. Maintenance fees for each 6k ownership are $918.38 or $1,836.76 in total. A combined 12k credit ownership is $1,346.58 (I think) so combining would be a savings of $490.18 annually on paper, but with the second account separate I would get another housekeeping token worth $132 (3 bedroom value) so maybe view as a $358.18 extra fee to keep the 2 ownerships separate. However, Waitlists, Bonus Time, etc... advantages with the two separate. Renting credit advantage leans towards the combined 12k ownership I feel like and that is something I have done historically for larger family vacations. Decisions, decisions.