I have been with Shell Vacations Club since 2004 and never used it. Only one time I was able to exchange my vacation with RCI in 2007. Now we are more limited since Wyndham acquired Shell Vacations. God forbid if I have no job and can't afford to pay the maintenance fee, they could damage my credit. I feel trapped and asked them to take my timeshare for free. Of course they wouldn't. Any advice?