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I have over 300,000 Holiday Inn Club points and use every one every year (but i like to vacation). Make sure that your week qualifies to convert to the club before making any resale purchases. Some deeds automatically converts and others can cost over $5000 to convert to the points system. With HICV The RCI interface is very nice and you can use points on all available RCI inventory. My HICV club dues are $104 per year which includes the RCI membership. I have two deeds. If you have a weeks program with RCI now, you should look into the credits system and see how many credits you will get for your deposit. As a rule of thumb, your highest and best use of any vacation ownership will always be on villa accommodations. Airfare, gift cards, hotels, cruises ect are icing and sprinkles that are often on par with the value of your maintenance fees.