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MARRIOTT POINTS SYSTEM IS A JOKE No matter how you look at using the points they are more expensive than just your annual maintenance fees, not even counting the costs of purchasing your points. This whole program is a joke and a probably fraud. I have looked at 15 different possibilities of usage for points in the Marriott system and every one has a lower market price than just your annual maintenance fee for the equivalent points. They will tell you you no longer have fees, but try to book a cruise and the port charges and fees came to $900 when I tried to use 3,850 points. The exact same trip could be booked for $1,500 at an online site. This means that the points value is $600/3,850=.156 per point, when your maintenance fees alone cost you .43 per point. You would be crazy to use points. Your real annual cost per point is about $1.44 using 25 year amortization of purchase (.37), annual maintenance fee (.43)and 7% cost of money (.65). Use some due dilligence before you perchase any points from Marriott. JUST DOES NOT ADD UP.