They are offering packages that seem too good to be true and ask for upfront payments that are high, but seem to be justified by the long-term advantages. What happens is that customers will simply bleed money, and due to hidden fees and additional costs that are not mentioned in the initial offer. Some travel clubs will also promote the idea that an offer is only valid for a couple of days, which means that the client has less time to research and think about the downsides.
Despite the numerous travel club complaints there are still legit companies out there who strive to keep customers happy by guaranteeing low prices and discounts. Their offer is transparent and clients can easily compare the benefits and shortcomings, so they make an informed decision after putting all this in the balance. While you build up your expectations and look forward for your dream vacation, you should also consider the ways out in case the arrangement doesn't work out for you. If the travel club is a serious one and the offer honest, you won't need to cancel early, but it doesn't hurt to be prepared for everything.