I own 20,000 credits. Just make sure that if you decide to buy in, do so in even 5,000 point increments (for example a 15,000 point account is a better deal than a 16,000 point accout). Worldmark has a strange fee structure that charges the same maintenance fee for every 2,500 point increment (for example a 6,000 point account pays the same maintenance fee as a 7,000 point account).