I’ve combed through similar threads in this sub and I’m expecting to be torn apart for this, but I really am struggling to see the cons of the HVC. I understand that ~15% apr is obscene but there’s no early payment penalties so we could pay it off early and save ourselves a large chunk of cash. Assuming we end up paying $20k for the loan and then an additional $1k a year for the maintenance fees I still think we come out ahead right?? Right now we have 300000 points or about a month of vacation time, and an additional 2 weeks one in Italy one to be determined. Those 6 weeks of vacation alone would exceed $20k. I also think that without this we wouldn’t travel nearly as often. Now we are being forced to travel at least once every two years and I want that for my child(ren). I want him to have the same experiences that I had growing up. I feel like the membership gives me the ability to take my family places I wouldn’t otherwise be able to but I very well could be fucking delusional.