I have trouble keeping it sorted out too and hate it. I have 2 memberships, so June and Aug UY. The biggest mistake, after having 2 UY, was getting BWV points direct in both UY (25 in Aug and 55 in June). We have 3 resorts and 6 contracts and 2 UY...big fat mess keeping track. And since we have to do transfers, it is so hard to figure out how to book a resie. And you cannot borrow transferred points. 
