In April 2020, I called about why they were still charging my credit card even though Covid shut down the courses and dinning locations across the US or anyplace I would ever travel to. I was told there was a meeting and a decision to keep billing, and they did. There was no sense of concern or options given, (Offer a credit) just we will keep billing since we do not know when things will open back up. That is the reason, why they should work with members. User's recommendation: Buyer Beware.