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We have been told that the more points you own the less your maintenance fees will be per point. For example someone who owns 10,000 points could be paying $2,500 in mf while someone with 20,000 might be paying $4,600 (not $5000). Someone who owns $40,000 might be paying $6,500. Those aren't the real fees but show my point. So maintenance fees do not follow a constant rate. Instead the more points you own the less your per point charge. Christine