Hyatt Credit Card

Hyatt are a global hospitality company with widely recognized, industry leading brands and a tradition of innovation developed over our more than fifty-year history. The mission is to provide authentic hospitality by making a difference in the lives of the people they touch every day. Hyatt focus on this mission in pursuit of their goal of becoming the most preferred brand in each segment that we serve for our associates, guests, and owners. The Hyatt support their mission and goal by adhering to a set of core values that characterizes our culture. They  manage, franchise, own and develop Hyatt branded hotels, resorts and residential and vacation ownership properties around the world. As of December 31, 2013, the company's worldwide portfolio consisted of 549 properties.

Because of this background , the Hyatt credit card issued by them to make the consumers in having access easily to enjoy the comfort provided by the Hyatt directly. For those of you who love to travel, you can enjoy various types of facilities from various business branches are owned by the Hyatt , from the  USA, Canada and Caribbean, Asia/Pacific, Latin America, Europe, South West Asia, the Middle East.

As a Hyatt Credit Cardmember, you will enjoy Hyatt Gold Passport® Platinum membership for as long as you are a cardmember.1 Platinum membership provides you with a premium level of benefits at Hyatt properties, including:

20% off room rates with My Elite Rate.  Enjoy 20% off the daily rate on your paid stay for any standard room in 2014 (subject to availability).  Just book online at hyatt.com or by calling Hyatt Worldwide Reservations at 1-888-75-HYATT.2

In addition, your Hyatt Credit Card provides you with a unique opportunity to earn and maintain our highest level of membership—Diamond status—more easily. Simply spend the following amount each calendar year and we will award you with the following:3

Spend $20,000 and receive 2 stay credits and 5 night credits toward Diamond status.

Spend $40,000 and receive an additional 3 stay credits and 5 night credits toward Diamond status.

Diamond status is achieved by completing either 25 stays or 50 nights at a Hyatt property each calendar year, and affords you our most elite awards, including:

Exclusive access to the Regency Club or Grand Club lounge featuring complimentary continental breakfast and evening hors d’oeuvres.

Daily complimentary full breakfast in hotels without a club lounge.

Four suite upgrades per year on paid room nights at the time of reservation. 48-hour room guarantee. 4:00 p.m. late check out and more.

FREE AWARD NIGHTS

The Hyatt Credit Card not only makes it easier to earn more points that can be redeemed for free nights, it also treats you to award nights just for being a cardmember. Enjoy one free night every year you are a card member.

As our way of thanking you for having the Hyatt Credit Card, we’ll give you a free night in a standard room at any Category 1-4 property every year on your card member anniversary.

With more than 500 hotels and resorts to choose from, and 85% being a Category 1-4 property, you can celebrate in a new destination each year. 

Exclusive benefits with Platinum status as long as you’re a card member.* This includes a 15% point bonus on eligible spend, complimentary in-room Internet, 72-hour room guarantee, expedited check-in and a preferred reservation line.

No foreign transaction fees  save you money on international purchases. Plus, Chip-enabled technology brings you greater worldwide acceptance and advanced security.

Security benefits including Lost Luggage Reimbursement, Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver and Extended Warranty Protection.*

Annual Membership Fee : $0 Intro fee for the first year. After that, $75

POINTS CALCULATOR

Fill in what you spend and we’ll calculate the number of Hyatt Gold Passport points you can earn with the Hyatt Credit Card. Here are the system :

3 points per $1 spent at Hyatt Properties

2 points per $1 spent at restaurants, car rental agencies and airline tickets purchased from the airline directly

1 point per $1 spent on all other purchases

To know detail about the calculation click here

As usual, despite of the easiness  with which provided a credit card, there is an obligation that we have to full responsibility of the Hyatt Credit Card work.

Here are about the  Pricing and Terms :

PRICING INFORMATION & INTEREST RATES AND INTEREST CHARGES

Purchase Annual Percentage Rate (APR) : 15.99%. This APR will vary with the market based on the Prime Rate.a

Balance Transfer APR : 15.99%. This APR will vary with the market based on the Prime Rate.a

Cash Advance APR : 19.24%. This APR will vary with the market based on the Prime Rate.b

Overdraft Advance APR : 19.24%. This APR will vary with the market based on the Prime Rate.b

Penalty APR and When It Applies : Up to 29.99%. This APR will vary with the market based on the Prime Rate.c

The Penalty APR may be applicable to your Account if you: fail to make any Minimum Payment by the date and time due (late payment); or make a payment to us that is returned unpaid.

How Long Will the Penalty APR Apply: If your APRs are increased for any of these reasons, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers, cash advances, and overdraft advances on the transaction date.

Minimum Interest Charge : None

Fee

Balance Transfers : Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advances : Either $10 or 3% of the amount of each transaction, whichever is greater.

Penalty Fees : Late Payment

Up to $15 if the balance is less than $100; up to $25 if the balance is $100 to less than $250; up to $35 if the balance is $250 or more.

Return Payment : Up to $35.

Return Check : None

Note: This account may not be eligible for balance transfers.

How Hyatt Credit Will Calculate Your Balance: We use the daily balance method (including new transactions).

Justice Credit Card

Justice & Brothers is the leader in fashion apparel and accessories for tween girls and boys, ages 7-14. Justice & Brothers celebrates everything “tween” through an extraordinary experience of fashion and fun.

To facilitate this purpose there Justice credit card as the payment method.The presence of online applications to make your shopping easier with a credit card.  Backed by the brand recognition of more than 900 retail stores, ShopJustice.com and ShopBrothers.com extends that experience online.

The issuer of the card is World Financial Network Bank (better known as WFFNB, which is owned by Comenity). The Justice card is a perfect example with its 24.99% APR.

Justice credit card provides convenience for you to shop at this store. There are :

Shoes : boots, sneakers, flats & dressy, sandals & flip flops, slippers, all shoes, web exclusives

Beauty : make-up & beauty kits, nail polish & kits, tools & brushes, body & bath, fragrance, anti-bac

Clothes : tops, sweaters, sweatshirts, graphic tees, outerwear, dresses, jeans, pants & joggers, sweatpants & yoga , leggings, skirts, shorts, active outfits, sports fan gear ,swimwear, dancewear & leotards, school uniforms, new arrivals, web exclusives, plus sizes, slim sizes.

Accessories : winter accessories, bags & luggage, backpacks & school supplies, jewelry , fashion, scarves & hats, hair accessories, socks & legwear, other accessories, new arrivals, web exclusives

Room & Toys : room decor, sleeping bags, stuffed animals, toys & crafts, dolls, 18" doll clothes, journals & writing, tech accessories, new arrivals, web exclusive, PJs, Bras & Panties, pajamas, robes, bras, panties, slippers & socks, new arrivals, web exclusives, oh-so soft collection, soft-n-comfy collection, cotton collection.

 You can see a fashion trend for children online and directly visiting the store is offline.This often happens because sometimes there are doubts regarding the size, it cannot be denied extremely fast growth experienced by children and teenagers.

The online system is provided by the Justice Credit Card enabling you to  know more early about the information on new bills, balance, payment due date and also for the go green purpose : saving the paper, of course.

The benefit for  Justice Credit Card holder are :

1. Receive 15% off your purchase at the time you apply and are approved* for a Justice credit card account.

2. Receive 15% off your next credit card purchase in the store and from www.shopjustice.com

3. Convenient minimum monthly payments

4. Additional cards to authorized users at no extra cost

5. Free annual fee

It is strongly recommended to you to use automatic payments online service for payment of credit card bills on time. Because if not, it will be a lot more extra charges and bills that will make your bad credit card records.

Fashion Bug Credit Card

Fashion Bug is one of a group of retail stores owned by Charming Shoppes and brands more property, which specialize in providing high quality fashion clothing for women size off. Many customers are faithful to the diversity Fashion Bug clothing available, and credit card Fashion Bug can help customers save money and get more affordable for their loyalty.

Fashion Bug is a popular retailer of plus size and misses clothing and also offers a store credit card. There are actually two versions of the card: the regular version and the premier version, which offers better rewards and a few additional perks.

The only people I would recommend the Fashion Bug credit card to are those who have really bad credit and can’t get approved for anything else – or – for those who spend thousands of dollars per year at Fashion Bug

People who apply for the Fashion Bug Credit Card are usually successful if they have an average to good credit score, and the rate of interest you get is not the lowest, but competitive enough. Standard APR for purchases is 24.99%. Late payment and returned payment fee is $35.

There are so many promotional offering for the customer. About 10 % of cash back and also free annual fee. For the payment method, it is better for us to link to the online payment. By clicking, we can always connected with the company support team.  We can check our account, balance, payment, even customize our credit card limit. Remember to be the wise credit card holder.

Capitol One Credit Cards

The Capitol One analyze the credit card holder performance . This classification  is based on the prospective cardholders track record of debt notes loan or previous credit card.According Capitol grouping cardholders based categories makes it easy for us as consumers to be more aware of our ability to responsible for the paying of our credit card bill on time.

This level is very beneficial for both the publishers and consumers.For credit card issuers, this classification will make the risk of default is smaller, so it does not harm their company.

The following categories of credit card holders based on The Capitol One level:

1. Excellent Credit

Do BOTH of these describe you?

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year. - AND -I have had a loan or credit card for 3 years or more with a credit limit above $5,000

2.  Average Credit

Do EITHER of these describe you?

I have defaulted on a loan in the past 5 years.- OR -I have limited credit history. I've had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else's credit card).

3.Rebuilding Credit

Do EITHER of these describe you?

I have defaulted on a loan more than once - OR - I have been declined for a credit card in the last 3 months. 

If you know what the credit card holder level are you, you will know what is best credit card that The Capitol One offers for you. Here are the most popular credit card from The Capitol One :

a. Venture Reward

Credit Level : Excellent Credit. Reward : Unlimited 2 miles per dollar on every purchase.One-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months. Purchase APR : 13.9%-20.9% variable APR. Transfer Info : 13.9%-20.9% variable APR; No Transfer Fee. Annual Fee : $0 intro for the first year; $59 after that

b. Venture One Reward

Credit Level  : Excellent Credit. Reward : Unlimited 1.25 miles per dollar on every purchase. One-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months. Purchase APR : 0% intro APR until December 2015; 11.9%-19.9% variable APR after that.Transfer Info :11.9%-19.9% variable APR; No Transfer Fee. Annual Fee :$ 0 .

c. Quicksilver® Rewards

Credit Level : Excellent Credit. Earn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus/. Purchase Rate: 0% intro APR until September 2015; 12.9%-22.9% variable APR after that. Transfer Info: 0% intro APR until September 2015; 12.9%-22.9% variable APR after that; 3% fee on the amount transferred until September 2015. Annual Fee: $0

d. QuicksilverOne® Rewards

Credit Level :Average Credit. Earn unlimited 1.5% cash back on every purchase, every day. Purchase Rate: 0% intro APR until September 2015; 22.9% variable APR after that. Transfer Info: 0% intro APR until September 2015; 22.9% variable APR after that; No Transfer Fee. Annual Fee: $39.

e. Journey® Student Rewards

Credit Level :Average Credit. Build credit with responsible use and earn cash back. Purchase Rate:19.8% variable APR. Transfer Info:19.8% variable APR; No Transfer Fee. Annual Fee:$0 Annual fee.

f. Platinum Credit Card

Credit Level :Average Credit. Get the credit you need. Plus, enjoy a $0 intro annual fee for the first year; $19 after that.Purchase Rate:24.9% variable APR. Transfer Info:24.9% variable APR; No Transfer Fee. Annual Fee:$0 intro annual fee for the first year $19 after that.

g. Secured MasterCard®Credit Card

Credit Level : Rebuilding Credit . Build your credit with responsible use. Refundable deposit of $49, $99 or $200 required. Purchase Rate:22.9% variable APR. Transfer Info:22.9% variable APR; No Transfer Fee. Annual Fee:$29 Annual fee

h. Classic Platinum Credit Card

Put a little extra bounce in your wallet. Credit Level :Average Credit. Get the credit you need with a competitive rate. Purchase Rate:20.9% variable APR. Transfer Info:20.9% variable APR; No Transfer Fee. Annual Fee:$39 Annual fee

i. Platinum Prestige Credit Card

With a low intro APR and no annual fee, you could save a ton! Save money with a 0% intro APR on purchases and transfers. Credit Level : Excellent Credit. Purchase Rate: 0% intro APR until March 2016; 10.9%-18.9% variable APR after that. Transfer Info: 0% intro APR until March 2016; 10.9%-18.9% variable APR after that; 3% fee on the amount transferred until March 2016. Annual Fee: $0 

By knowing our level, the APR or calculate the credit card interest, the reward, and annual fee makes us wise to using the credit card that The Capitol One offers to us.  This information makes us easy to entering the data when using the credit card calculator to know detail about our credit card bill.