Zales Diamond Card Review. What is diamond card

Sahuarita and Tucson Centrum Sahuarita / Tucson: 520-294-7777 Sahuarita VIP Lounge: 520-342-2950 Tucson VIP Lounge: 520-342-1950

Zales Diamond Card Review

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The Zales Diamond Card, issued by Comenity Bank, is a standard shop credit card that can be made in Zales stores or online at Zales.com. If your goal is to buy diamonds and other jewelry with special internal financing offers, purchasing this card may make sense. Just be mindful of interest rate “goths” and the fine print.

Zales Diamond Credit Card

Score Our recommended ranges are based on the FICO® Score 8 credit model. Credit score is one of the many factors that lenders evaluate when considering an application.

Regular APRC (%)	29.99% variable
Annual fee	Who Is This Credit Card Best For? He often purchases from a particular retailer and wants to be rewarded for his loyalty. See more cards The Diamond Card is aimed directly at Zales customers who want to obtain special financing when purchasing jewelry in Zales. Financing offers can be attractive, especially if you have no other way to finance your purchases. But the offers include deferred interest which can be expensive (more on that in the Getting the most out of this card section below). 0% deferred APR offers 36 months of low APR financing available with some purchases Fees and Financing Restrictions
Reward earning rate	This card does not offer a rewards program.

It also covers other accident insurance, which in the case of claims for death or invalidity of the holder as a result of an accident at work or in the course of their day-to-day operation, pays compensation in the amount of the sum of the fees to the account for purchases made with the card in the last 12 months. Maximum compensation: 6,010.12.

Reservation Privileges

• Convenient booking. Please provide your membership card number to the booking agent when making your booking.
• Members booking hotline. Whenever you make a booking in Taiwan, you can use our dedicated Infinity MileageLands booking hotline.
• Waiting list priority for fully booked flights.
• No fee for seat selection: Diamond Card members (membership status depends on card level at the time of seat selection) who purchase family tickets at any fare (including Award tickets) can choose seats in all zones for free (including additional seat space). Seat legs). Please select your seat when booking or checking in at the airport (G-class tickets are excluded). Effective April 8, 2019 (travel date), Infinity MileageLands members and other passengers who request a seat change to a seat with extra legroom upon boarding will have to pay $ 200 for a long-haul flight and $ 60 for a short-haul flight.
• Guaranteed booking: Diamond Card members who book with their membership card number 48 hours before departure are guaranteed a seat on Plus fare, Premium K-Economy and Economy-Y / B bookings on EVA Air and UNI Air international flights . In order to make a guaranteed reservation, members should either have the above fare tickets or pay the fare difference, if any. Online reservations are disabled. Limited to individual tickets. (see note)

Note:

Limited to individual tickets. Guaranteed bookings are not available for Diamond Card members traveling with):

• an upgrade ticket
• free, premium or discounted ticket, promotional ticket, barter ticket and group ticket.
• code-share flight operated by other airlines
• charter flight.

Airport Privileges

• An exclusive check-in counter at Taiwan Taoyuan International Airport if you have a FIT ticket.
• At other airports, Diamond Card members can check in at the Diamond Card or Business / Premium Laurel Class counter. Check-in points outside the airport, such as stations or ports, are disabled.
• Priority waiting list for fully booked flights at airport check-in.
• Special tags for expedited loading and unloading of luggage based on membership status and confirmed travel class. (* Note 1)
• Additional baggage allowance on routes / flights operated by EVA Air and UNI Air. (* Note 1)

Extra Baggage Allowance

• Access to the EVA Air VIP lounge when traveling on an international flight operated by EVA Air or UNI Air. Please present your membership card upon check-in to receive an invitation card to the VIP lounge. Privileges in the VIP lounge include: (* Note 2)

Access to the VIP lounge when traveling on international EVA Air or UNI Air flights

Access to the EVA Air VIP lounge when traveling on an international flight operated by EVA Air or UNI Air. To enjoy VIP lounge benefits, please provide your membership number when booking or show your membership card at check-in.

Companion: 1 companion in VIP lounges in Los Angeles and Paris; up to 2 accompanying people in other VIP lounges.

Children (under 12) traveling with a member: Taiwan Taoyuan / Kaohsiung International Airport only

Diamond Card members traveling on other Star Alliance flights can access the EVA Air VIP Lounge:

Taiwan Taoyuan International Airport / Kaohsiung Airport: Member can invite 2 travel companions and children under the age of 12

BKK Airport: Member may invite 2 travel companions (including children under 12 years old)

• VIP Lounge facilities are available to members during business hours. (* Note 2)
• In addition to these perks, members who are eligible for EVA Air VIP Lounge access can use their own or their transferred miles to invite their companion to the VIP lounge when traveling with EVA Air. 5,000 miles per companion is required to enter the EVA VIP Lounge at TPE / KHH / BKK

*Note:

1. Limited to flights operated by EVA Air and UNI Air only. Codeshare flights operated by other airlines are excluded.
2. EVA Air will arrange a replacement if a seat in the VIP lounge is not available. The use of the VIP EVA lounge is subject to local regulations at each airport.

Virtual Payment Service: Option to physically not show your card in restaurants, hotels, transportation and shops while your emergency card is on the way (only available for MasterCard debit card and requires company authorization).

Interest Rates and Charges Summary

promotional 0% APR for six billing cycles from date of transaction on all “Eligible Diamond Resorts Vacation Property Purchases.”

Thereafter, your APR for vacation property purchases at qualifying Diamond Resorts will be 15.74%, 19.99%, or 24.99%, depending on your creditworthiness. This APR will vary by market based on the Prime Rate.

APR for Balance Transfers

0% initial APRC for the first fifteen billing cycles after any balance transfer that will be credited to your account within 45 days of account opening. Then (and for balance transfers not sent within 45 days of account opening) the APR variable of 15.74%, 19.99% or 24.99% will apply depending on your creditworthiness.

APRC for cash advances

Fee Summary

Balance Transfer Fee

$ 5 or 3% of each transfer amount, whichever is greater.

The offer is subject to credit approval. This offer is available through this listing and may not be available elsewhere. For a full quote and other details, see Terms and Conditions.

Annual fee:. 0% promotional APRC on vacation property purchases at qualifying Diamond Resorts for 6 billing cycles. This promotional APRC offer does not apply to other purchases, balance transfers and cash advances. 0% of the initial APRC on balance transfers made within 45 days of account opening applies for the first 15 billing cycles that follow immediately after any balance transfer. This introductory APRC offer does not apply to purchases and cash advances. For an outstanding holiday property purchase on Qualifying Diamond Resorts after the promotional period, new and outstanding balance transfers after the introductory period, and for all other purchases, the APRC variable is 15.74%, 19.99% or 24. 99% depending on our application rating and credit history at the time of account opening. The variable APRC for cash loans is 25.24.

Please see the Reward Summary for important information on the benefits and features of the program listed above, and the Terms and Conditions for details on reward benefits (such as how you earn points or miles), interest and account fees, and conditions for that particular offer before applying.

Earning Diamond Plus Points ®: Cardholders earn “Diamond Plus Points ®” on purchases minus credits, refunds and adjustments (“Net Purchases”) in the following amounts depending on the type of purchase transaction charged to their Account.

a) Earn two (2) Diamond Plus Points ® for every 400 spent on purchases less credits, refunds and adjustments (“Net Purchases”) made on purchases at Diamond Resorts.

b) Earn 1 Diamond Plus ® point for every 400 spent on all other net purchases.

The following transactions are excluded from purchases and will not earn Diamond Plus® points, unless otherwise stated: Diamond Resorts timeshare advances, interest, finance charges, balance transfers, checks, cash advances and unauthorized / fraudulent purchases. Restrictions apply. More information can be found in the rules.

Diamond Plus Points® Bonus: Receive 2,500 bonus Diamond Plus Points® once in addition to the regular Diamond Plus Points® that you earn after making your first retail purchase with this card. The Diamond Plus Points ™ bonus will be published within 60 days of your qualifying transaction. This promotion is limited to new card members and may be canceled at any time without notice.

Earn 500 Bonus Points Diamond Plus ® for every 350,000 qualifying net purchases made with the Diamond Resorts Mastercard, up to a maximum of 5,000 Bonus Points. Timeshare advances made at the time of account opening and any timeshare advances made later at other Diamond Resorts International properties will not count as eligible expenses towards the 500 Diamond Plus ® Bonus Points ® .

The issuance of the Diamond Pack is free to the primary holder. Renew it for only € 55 a year. The issuance and renewal of additional Diamond Cards is free of charge.

Diamond

100,000-399,999 level points

As a Diamond Rewards member you will receive all the benefits of the lower tiers, plus:
• Cash dispenser refunds
• Access to lounge and VIP services
• Waiver of payment for an advance payment on a credit card
• Rewards Club Priority Line*
• 20% discount on meals
• 15% retail discounts
• 20% discount on entertainment
• Invitations to exclusive promotions and events

Double Diamond

400,000-999,999 level points

As a Double Diamond Rewards member you will receive all the benefits of the other tiers, plus:
• Exclusive self-service parking
• 25% discount on meals

Do you need anything? Information, reservations, telephony, premium locksmith, formalities, you can call (34) 91 832 97 91 or 900 901 287, 24/7, 365 days a year-

Become a customer in just three steps, wherever you are

Fill in your details

To become a client, we need to know a few things about you. Fill out the online form and choose your access code. Have your DAYS or NOTs on hand.

Confirm your identity

In the comfort of your own home. By video identification or by using your account number in another bank.

We will send you an SMS with a security code to access your contract so that you can sign it online.

1 Representative example for EUR 1500 collected and month-end lump sum method: 0% NIR; 0% APRC; Total loan amount: € 1,500. Total amount due: 1,500 euros. Total cost of the loan: € 0. Card issuing fee: € 0. Please note that the APR will change the second year due to a renewal fee of € 55 / year.

Therefore, in this specific example, the cash purchase price would be EUR 1,500 and the total amount to be repaid in installments would be EUR 2,039.58. It should be remembered that the monthly installments are primarily used to pay the agreed interest and fees, and then to repay the amount borrowed; therefore, the selection of reduced installments can only cover the repayment of the remainder of the loan.

3 Credit limit subject to prior approval by Openbank’s Risk Department.

4 Representative example of a 1000 EUR financed purchase made on the 1st of the month, with the option of regular payment and 12 fixed monthly installments, assuming no further payments or breach of contract during this period: 9.57% annual NIR; 10.00% APRC; 11 installments of 87.72 euros and the final installment of 87.67 euros. Total loan amount: € 1,000. Total Amount Due: € 1,052.59. Total cost of the loan: € 52.59. The APRC and the total amount to be paid are calculated assuming that the contract will be valid for the entire duration of the contract and that the parties will fulfill their obligations in accordance with the agreed terms and repayment dates. Therefore, in this specific example, the cash purchase price would be EUR 1,000 and the total amount to be repaid in installments would be EUR 1,052.59.

Want to learn more about the Diamond Card Pack?

Where can I withdraw cash for free?

With your Diamond Mastercard debit card you can withdraw cash for free:

• At any Banco Santander ATM. Additionally, you have up to 24 free cash withdrawals at other ATMs in Spain.
• At over 30,000 Banco Santander ATMs worldwide.

Which 24/7 concierge services does the Diamond Card Pack offer you?

You have a wide range of services to choose from. Personal assistance services are organized by MGA Multiasitencia, SA You can call 24 hours a day, 365 days a year on MGA Multiasistencia, SA: (+34) 91 832 97 91 or (+34) 900 901 287.

It includes a range of benefits through useful services: information and reservations, travel agents, telephony, urgent locksmith, document processing and case handling, tech support and home staff.

What insurance does the Diamond Card Pack include?

It includes three types of useful insurance: travel assistance insurance, fraud protection, and accident insurance. Protects Diamond Card Pack holders against flight cancellation or delay, as well as travel medical emergencies, with protection for holders + spouse / children + 5 people traveling with the card holder.

Travel assistance insurance in Zurich

Provided that the trip has been paid for with any of the Diamond cards, it offers protection for international travel (does not apply to domestic travel:

– € 500,000 per person up to a maximum of 5 people

– Reimbursement of purchases made with Diamond cards one year before the accident up to the amount of 6000.

• Travel assistance: includes

– Accident or illness, e.g treatment costs up to EUR 50,000, repatriation, up to EUR 15,000 in advance, hospital expenses, up to EUR 2,000 for family accommodation etc.

– Luggage / belongings: damage or theft up to 1500 Euros, delay up to 600 Euros, stolen contents from the hotel safe up to 200 Euros.

– Delayed transport: delays, cancellations, missed calls etc.

– Liability towards third parties: up to EUR 90,000 with an advance payment for legal costs up to EUR 1,500.

See more details on this coverage here, or if you prefer, see the simplified policy here.

Free Fraud Insurance.

From the moment you notify us, thanks to the Diamond Card you will be protected against possible fraud. Maximum two claims per year, no excess. From the third event, the franchise amounts to EUR 50.

Travel accident insurance with Santander Seguros y Reaseguros, SA

Travel accident insurance, which covers claims for death or disability as a result of an accident as a public transport passenger, provided that the ticket is paid by card. This insurance covers the holder and any other person whose trip has been paid for with the holder’s card. Maximum compensation: 601,012.10.

It also covers other accident insurance, which in the case of claims for death or invalidity of the holder as a result of an accident at work or in the course of their day-to-day operation, pays compensation in the amount of the sum of the fees to the account for purchases made with the card in the last 12 months. Maximum compensation: 6,010.12.

More information on coverage and terms can be found in the policy.

It should be remembered that the monthly installments are primarily used to pay interest and fees, and secondly, to repay the amount borrowed, so the selection of reduced installments may only cover the repayment of the remainder of the loan.

What is diamond card

DIAMOND: Resources – Value – Creative fire
ACE: Pursuit – Acquisition
CHALLENGE: Prestige

Diamond’s personality is resource-oriented. The spirit of this diamond ignites the fire of acquisition. Its purpose is extraction, collection and amalgamation. It is the element of fire: activating and consuming.

Fire is the flame of creation, forging metal materials, illuminating the diamond fire within us. This is the value and value of materialism.

An ace is worth one. He is an individual and resonates with independence. Ace is what I want and need. Asa’s personality is marked by a determination to get what they want.

THE JOURNEY OF THE SOUL

Their Soul Card is 2 Diamond. This emblem symbolizes negotiation and the fear of doing it.
In a balanced world, Ace Diamond understands that “give and take.” They choose goodwill over manipulation and negotiate at that level to get what they need.

Personality of the Ace of Diamond

The seven main cards describing the personality of Ace Diamond are influenced by Saturn. Saturn is a school of hard hitting. This heavy karma has to do with the value that the Ace of Diamond places on money and values

Ace of Diamond people have unlimited energy. They seem bright and interesting. Internally, they are pessimistic and constantly worried about money. And they can be selfish! Concentrated on achieving their goals, they miss the forest for trees.

Diamond Aces tend to change careers between the ages of 39 and 52 at Jupiter. When they are creative enough, the door to new ventures and opportunities opens up. If not, they feel they have lost everything for love and suffer because of it.

All Diamond Aces have karmic problems related to value and value. Their personality leads them to situations where money becomes more important than love.

Birthdays for the A ♢

january 26 (Aquarius), February 24 (Pisces). March 22 (Aries), April 20 (Aries / Taurus), May 18 (Taurus), June 16 (Gemini), July 14 (Cancer), August 12 (Leo), September 10 (Virgo), October 8 (Libra), November 6 (Scorpio), December 4 (Sagittarius)

Soul Card for the A ♢

2 ♦ is the diamond ace’s soul card. This card symbolizes negotiation. It has a negative fear value. When the Diamond Ace overcomes his fear of negotiation, he can amass a fortune.

– Accident or illness, e.g treatment costs up to EUR 50,000, repatriation, up to EUR 15,000 in advance, hospital expenses, up to EUR 2,000 for family accommodation etc.

End of Round

After all 10 tricks have been played, the round is over. Each player counts the number of cards he took of each suit.

End of round colored actions now occur in the following order:

1. The player with the most diamonds takes the diamonds color action.
2. The player who took the most heart cards takes the action of the color of hearts.
3. The player with the most spades takes the action of the color of spades.
4. The player with the most clubs takes the action of the club suit.
   NOTE: If there is a tie with whoever scores the most for any color, no one may take an action for that color.
5. Each player who has not won any tricks during the round performs two diamond-colored actions.

Starting the Next Round

After the action is completed at the end of a suit round, all 60 cards are collected and shuffled to start a new round. The number of rounds to be played depends on the number of players:

• In a 2-player game, 4 rounds must be played.
• In a 3-player game, play 6 rounds.
• In a 4-player game, play 4 Rounds.
• In a 5-player game, play 5 rounds.
• In a 6-player game, play 6 rounds.

End of the game

After all rounds are completed, each player adds up the number of points collected in diamond crystals. Diamond Crystal Points are calculated as follows:

• Each point of Diamond Crystals in the player’s Vault is worth 2 Diamond Points.
• Each point of Diamond Crystals in a player’s Salon is worth 1 Diamond point.

The winner is the player with the most points for Diamond Crystals. In the event of a tie, the winner is the tied player with the most Diamond Crystals points in their Vault.

If there is still a tie, the players share the victory.

Example

The player has 21 Diamond Crystals in his Vault and 5 Diamond Crystals in his Salon. Their final score is 47 points, or 42 from his Vault (21 x 2) plus 5 from his living room.