mychoice rewards. You must be over 21, in order to proceed you must be at least 21 years of age. mychoice rewards

 
 You must be over 21, in order to proceed you must be at least 21 years of agemychoice rewards  2,154 posts

A Choice Hotels spokesperson told TPG, "Each experience has a set price" but added "the points. With mycash®, the official currency of mychoice®, your comps go further since you can use them for all your favorite things at M Resort, or at more than 35 mychoice destinations nationwide. Learn moreHenry Ford Health takes pride in offering a rich benefits package with increasing flexibility to accommodate our diverse workforce. View the current offers here. 0410 or write to us at UMB Bank, n. First Name *. S. *T&Cs Apply. 2. You must be a PENN Play member to participate in this promotion. Email Address *. The mychoice app is a casino rewards app that allows users to earn and redeem points, receive exclusive offers and promotions, and stay up-to-date with news and events from all mychoice-associated brands. But a comp dollar gets you. and 9:00 p. Identity theft protection and fraud monitoring. ET September 1, 2023 and 11:59 p. The search results provide information about mychoice® rewards program, which is a loyalty program offered by Penn National Gaming. So, spend $100 and earn 1,000 points. com and register to access exclusive offers, rebates, and rewards. Choose from a wide selection of traditional rewards like travel, gift cards and merchandise. 1 systemwide upgrade. MGinCO VIP Whale. Link today and. Take your mychoice® rewards along for the ride when you visit this iconic Las Vegas landmark. Rewards are a Download Away. B. Preferred – 18,000 – 49,999 Tier Points. The mychoice card became Penn Play in April 2023. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe>Get even more rewards when you apply for a PENN Entertainment Mastercard® Credit Card. Elite benefits: Enjoy 250 bonus points and perks like early check-in, late checkout and preferred parking (where available) if you’ve earned Elite membership prior to your Cambria stay. 1. Gift of AAdvantage Platinum ® status (requires 2 of your choices) *15% off award discount will be applied post travel, for up to 2 passengers traveling round-trip anywhere on American Airlines, American Eagle ®, one world ® airlines or partner airlines. As part of our new alliance with Penn National Gaming, we’re welcoming my choice® members to the Choice Privileges rewards program with a special bonus: Get 5,000. 4. See Terms and Conditions for details. First Name*. Book these packages for your next hotel stay to receive 1,000, 2,000 or 5,000 bonus points PER NIGHT to put toward free nights, gift cards and more!Mychoice REWARDS - for App Only. Based on TPG's valuations, this bonus is worth. on all other purchases. Choice – 0-999 Tier Points. It's time to make the move to Choice Privileges. Reward (free) nights are available at some Choice Hotels locations for as little as 6,000 Choice Privileges points. Now, it is the rewards program’s turn for a makeover. Use the app everywhere you have fun with PENN Play, including Barstool Sportsbook, Hollywood Casino, Ameristar, L’Auberge, Argosy, Boomtown, Cactus. PENN Play LOUNGE. Please verify that you are not a robot. Points won’t be transferred, and mychoice rewards will be allowed to be used at the M Resort, which is operated by Penn. More Details. Choice is a transfer partner of American Express Membership Rewards and Citi ThankYou Points. Your Way. Diamond: 40 nights per calendar year. At most casinos, players can earn points to move to different tiers by playing multiple types of games, including table games and video poker, and at some casinos, you can even move to different tiers by playing keno or bingo. The bonus MyChoice Rewards points do not apply to balance transfers, credit card checks, or overdrafts. We also have initiatives to help serve those who serve us through employment, scholarships and more. mychoice-associated brands — including Barstool. 2. Always the easiest way to get the lowest price. Getting the most from your mychoice® membership has never been easier and. christopher. See More HollywoodCasino. 10. Published by Penn National on 2023-07-17. com. For Canadian residents, the Program is owned by Choice Hotels Canada, Inc. If you need to get reimbursed, don’t forget to keep your. mychoice rewards is a free lifestyle app developed by Penn Entertainment Inc. Take your mychoice® rewards along for the ride when you visit this iconic Las Vegas landmark. The bottom line: This card earns solid rewards on stays within the Choice Hotels network and bonus rewards in useful everyday spending categories. Visit any Penn National casino to receive a PENN Play rewards card which allows you to take full advantage of all PENN Play benefits including free slot play, discounts for dining, and bonus entries into promotions. Take advantage of mychoice® promotions and other offers at L'Auberge Casino Resort Lake Charles and you could win cash, amazing prizes, Free SlotPlay® and more!. Participants must have their cards properly inserted into a slot machine at the time ofHow to earn "Advantage" with MyChoice. Carbon emissions offset. Now Earn mychoice Rewards on HollywoodCasino. 5x points at participating Choice Hotels. You must be over 21, in order to proceed you must be at least 21 years of age. My Choice Rewards is a program as diverse as the people it serves. If you are like many casino players and you love playing slot games more than anything, then you need to sign right. S. Rewards rate. account_circle. To maintain your active member status, you must complete at least. Inc. Convenient and makes things easier and don’t have to worry about. my choice ® members will receive card tier status based on the following accrued Tier Points and/or by applicable casino property management approval: a. com. Again, MyCash is non-withdrawable but, in theory, holds a real cash value. Choose from a wide selection of traditional rewards like travel, gift cards and merchandise. Since MyChoice doesn’t have any. Choice just recently announced the transfer rate and process for moving Radisson Rewards Americas points to Choice Privileges accounts (and vice versa). *All my choice members who otherwise earn enough Tier Points to reach The Owners Club status must first be approved by casino management, in its sole discretion. $200 donation to one of 10 partner charities. Discover the benefits of joining m resorts mychoice rewards, the loyalty program that gives you access to exclusive offers, free slot play, cruises, island getaways and more. Get 0% APR for 12 months on purchases! 1. See More. Complimentary rooms at any PENN Play Destination. Your Redstone Visa Signature credit card must be open and in good standing at the time of bonus MyChoice Rewards points fulfillment. S. Enjoy over 150 casino slots and table games for FREE and earn PENN Play® rewards for your play! Join now to claim free credits to use on your very own online casino. Inc. . You’ll also be able to move funds. Not a member?Questions regarding the Program, including questions about your Point balance and Point redemption, may be directed to the UBS Rewards Service Center at 888-762-1232 and selecting the reward redemption option. MBNA Rewards lets you redeem points for the things you really want. ; from outside the U. Welcome to Rewards of Choice! To log in and select your reward(s), please refer to the redemption flyer that came with your order and reenter the web address, in its entirety. Earn 4X Membership Rewards ® Points at. Earn Rewards. We estimate that to reach Owners Club in the MyChoice program it would take approximately $1,000,000. If you are eligible for both a 50-Night and a 75-Night Annual Choice Benefit, you will be required to make both selections at the same time; You have until 11:59 p. Marriott has paused all point expiration at least through Aug. All other exchange transaction qualifications apply. United Airlines: 5,000 Choice Privileges points = 1,000 MileagePlus miles. Spend Rewards. Reward yourself with Choice Privileges ® perks while enjoying the little luxuries you'll find at Cambria ® Hotels. 50% (1. Log In. residents. My Choice Rewards is one of the most flexible rewards programs in the industry. If you’re an overachiever and earn an additional 150,000 to 550,000 Loyalty Points above and beyond Executive Platinum at Level 2, you’ll be able to choose 2 of the below choices at each level: Level 3 to 5 Threshold Rewards. Earn Rewards. 83 / 2 points) According to our study, the cost of achieving elite status with Choice Privileges is $2,940. A unique addition to mychoice vs. Gift Silver Medallion status to two. To recognize their loyalty, we reward them with spending $100-$300 monthly on subscription purchases. You must be over 21, in order to proceed you must be at least 21 years of age. Get exclusive, Elite-level perks and offers. 3x points at gas stations, grocery stores, home improvement stores, and on phone plans. Hotel Angleterre and Residence. 1, 2021, and the World of Hyatt, IHG and Wyndham Rewards programs have paused all point expiration at least until June 30, 2021. If you're a U. You can use these mychoice Rewards Comps at your favorite mychoice Rewards casino. The company is rebranding the mychoice rewards program to PENN Play, a program where customers can earn PENN. Downloading and playing through the app gives you access to the mychoice Rewards. Verify your email. $40. It was created to honor the incredible men and women who have dedicated their lives to serve our community and our. Exclusive Email Offers Get the absolute best rates by subscribing to our exclusive Email Newsletter. Please select a category. The mychoice casino app gives you more than just a mobile experience. Six Admirals Club one-day passes. This video is for information and reference purpose only. My Choice Rewards offers a number of different options for combined medical/vision/ prescription coverage. Annual fee: $95 (waived for the first year). You must be over 21, in order to proceed you must be at least 21 years of age. Reward nights at Choice Hotels ® properties start at just 8,000 points. It’s easy to earn bonus points with the Choice Hotels credit card. My Choice Rewards is a program as diverse as the people it serves. Amenities vary by location. In this story, we'll explore some. The Mycash benefit. com has all your favorite free slots online including 88 Fortunes, Lady Robin Hood, and Super Jackpot party,. Benefit plan design and employee cost-share arrangements ensure the System’s competitiveness and allows Henry Ford Health to continue to attract, retain and engage the best talent while accommodating the changing needs of an evolving workforce. a. Enjoy over 150 casino slots and table games for FREE and earn PENN Play® rewards for your play! Join now to claim free credits to use on your very own online casino. 1 choice. PENN Play is the new rewards program replacing mychoice. Elite – 50,000 – 199,999 Tier Points. Ten (10) points per every one (1) dollar charged to the Cardholder’s enrolled Visa Signature credit card at qualifying restaurants (capped at 70,000 points annually) and gas stations (capped at 70,000 points annually). m. Perks include: Search and book stays with our automatically applied Lowest Price Guarantee. Take advantage of mychoice® promotions and other offers at Hollywood Casino and you could win cash, amazing prizes, Free SlotPlay® and more!. This rewards program allows you to collect and redeem points at over 35 Penn National locations across the country. Hot Tip:Your Ride Awaits. 20 Winners share $4,000 in PENN Slot Play® every Tuesday in this exclusive promotion for guests 50 years+! Double your prize with the PENN Play App. ** UBS Visa debit cards and UBS Visa Signature, UBS Visa Infinite, UBS Cash Rewards Visa Business, UBS Visa Signature Business and UBS Visa Infinite Business credit cards are issued by UBS Bank USA with permission from Visa U. Earn up to $50 mycash | mychoice Step 1 - Download the my choice® rewards app & get $10 my cash. My Choice Rewards: Buy what you want, anywhere you want, then pay for it with rewards points. Take your mychoice® rewards along for the ride when you visit this iconic Las Vegas landmark. Verify your email. Invite your friends for an adventure filled with luxury, comfort and style as the best in gaming, dining, and entertainment awaits. Visit any Penn National casino to receive a PENN Play rewards card which allows you to take full advantage of all PENN Play benefits including free slot play, discounts for dining, and bonus entries into promotions. com, including your consent of our use of your information in accordance with the Rules and Regulations. Get up to 10 points for every $1 you spend on hotels, starting with your first stay. For more information, visit the GIANT or MARTIN’S websites. As one of the unique casinos we have reviewed, MyChoice is outstanding! All slot themes are in Classic, Staff Picks, Mystical, Around the World, Nature, and Time Travel - you get the idea. The best part, the MyChoice rewards program can be used at over 35 locations within the Penn. and use the “ESPN BET” trade name and related tra Reward nights “start” at 8,000 points apiece, but you’re more likely to find domestic rates in the 12,000-20,000 range. 103 Comments. Take advantage of mychoice® promotions and other offers at Cactus Petes Resort Casino and you could win cash, amazing prizes, Free SlotPlay® and more!. A lot of travel rewards credit cards pay you a big chunk of bonus points after you charge $3,000, $4,000 or more in. 60,000 bonus points after spending $1,000 in purchases within the first 3 months. The Choice Privileges Visa Signature Card has no annual fee and is available through Barclays. Download the app. e. Yes. Reward nights worldwide are available from 6,000 to 35,000 points (excluding all-inclusive resorts stays, where points required are up to 100,000). Softonic review. to see the details of your transfer. Play NowThe new collaboration will make Wells Fargo the official issuer and Mastercard the exclusive payments network of credit cards through the award-winning Choice Privileges® loyalty program. Then get ready to redeem for what you love like reward nights at over 7,000 hotels worldwide, gift cards to favorite restaurants and retailers, airline miles and more. Consumer accounts are a great way to stretch your paychecks - whether you're covering out of pocket medical expenses, provider visits, lab work, glasses, or dental work. 717-240-1513. The rewards program is void where prohibited by federal, state, or local law. Choose from a welcome gift or bonus points at participating hotels. There are also specialized accounts that your organization. m. You must have a minimum of . Besides the rewards program, Hollywood Casino also has a small number of ongoing. Your Extras. Save. There are more than 1,500 Choice Hotels with reward nights available at 8,000 points or less. One of the benefits you'll receive is the ability to choose an Annual Choice Benefit. Identity theft protection and fraud monitoring. $95. by William Charles. 60 Day GuaranteeOr your money back. Choice Privileges is letting its members redeem 25,000 to 175,000 points (worth $150 to $1,050 based on TPG's valuations) per experience for 2023 college football game day experiences hosted by 18 schools. S. With the app, you can: Find hotels and reserve at the lowest rate. By submitting your personal information and agreeing to become a member, you agree to the Choice Privileges® Program Rules and Regulations available at ChoicePrivileges. or for account assistance, call 888-770-6800. Open and use the PENN Entertainment Mastercard to earn PENN Cash on all your purchases. There are dozens of options for all of our employees including compensation, benefits, work/life balance and learning - options that enhance your career and add value to. , P. Select or change your Primary Care Provider. Advantage – 1,000 – 17,999 Tier Points. call collect at 1-201-352-5257,. As part of our new alliance with Penn National Gaming, we’re welcoming my choice® members to the Choice Privileges rewards program with a special bonus: Get 5,000 bonus points* when you join and complete your first stay at a Choice Hotels ® location by August 23, 2021! It’s free and easy to sign up. 1%. Enjoy true flexibility and book to any destination with no restrictions or blackout periods. MGinCO, Jun 19, 2022 #2. Vacation Rentals. From upscale stays to budget-friendly getaways, you'll find thousands of options in all 50 states and more than 40 countries and territories. $5 Starbucks card. 1 Also earn points every time you travel or shop with our partners. Join the mychoice® Rewards Program, and you will be treated like a VIP! Earn access to a range of exclusive events and experiences at more than 40 destinations across the US, have priority check-in at hotels, and claim guaranteed seats at some of America’s best award-winning restaurants. Earn 10 points per $1 of room rate on casino hotel stays. Some aspects of this brand’s. Buy Points. Based on TPG's valuations, this bonus is worth $300. Reward yourself with brand name merchandise and gift cards – shipped free to your door. 1 mil. Last Name *. Purses are unique to a benefit category and areLaunched in May 2021, “myheroes” is an exclusive, fully integrated extension of Penn National’s industry leading mychoice rewards loyalty program. The MyChoice Casino rewards program is one of the best in the market. Reward yourself with Choice Privileges ® perks while enjoying the little luxuries you'll find at Cambria ® Hotels. Then get ready to redeem for what you love like reward nights at over 7,000 hotels worldwide, gift cards to favorite restaurants and retailers, airline miles and more. *. Download Today and Get $10 PENN CASH and 5M credits at PENN PLAY casino. For assistance with My Choice Rewards program, contact us at 1-800-762-1000 from within the U. The top saving available currently is 20% off from "Save 20% on Your First Order with. The ability to gift Silver Elite status. A. In late June, we learned the integration of Radisson. Check your latest offers and rewards, track your tier points and PENN Cash and get the scoop on exclusive promotions—all in one place. Preferred – 18,000 – 49,999 Tier Points. Manage your rewards account. Visit any Penn National casino to receive a PENN Play rewards card which allows you to take full advantage of all PENN Play benefits including free slot play, discounts for dining, and bonus entries into promotions. Certain expenditures utilizing a mychoice card may result in mychoice members earning mycash rewards. Receive 1 entry for every 50 Tier Points. L'auberge. Annual complimentary cruise in an oceanview cabin with Norwegian Cruise Line. Virginia. resident, you can choose one of the following: 400 Choice Privileges points, worth about $2. 1,000,000. Platinum members are eligible for 20,000 SkyMiles, while Diamond members receive 25,000. Earn a 10-50% point bonus on each qualifying hotel stay. The mychoice casino app gives you more than just a mobile experience. More details Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. The number of nights required for elite status is: Gold: 10 nights per calendar year. If you have a question regarding your program rules, please contact your financial institution. The mychoice loyalty rewards program is available at 35 different Pinnacle/Penn National Gaming casino locations in the US. MGinCO, Jun 19, 2022 #2. 1,000,000. Description of the Program a) The rewards program ("Program") is a service provided by Redstone Federal Credit Union Credit Union® ("Sponsor") and managed by ampliFI Loyalty Solutions ("Administrator"). United Airlines: 5,000 Choice Privileges points = 1,000 MileagePlus miles. All other trademarks, registered trademarks, service marks and registered service marks are of their. Earning rates: 10X at Choice Hotels and when purchasing Choice Privileges points; 5X at gas stations, grocery stores, home improvement stores, and. 00 coin-in through L'Auberge. 1. d. If you already had a Choice Privileges online account, sign in. I had my fingers crossed for this transfer ratio, but I expected it to be 3:1. Learn More. 120 Perks. You can also redeem Choice points for cruise credit when you book by phone with Cruises for Choice Privileges (powered by Cruise411) at 800-596-0451. 31, 2023, to select your annual Choice Benefits. MyChoice is the loyalty club of Penn National Gaming, previous owner of Tropicana. Spin to win top prize is $1,000 in PENN Slot Play! For your chance to win, earn 100 points by playing from 5am - 7:55pm. The Tropicana Las Vegas Rewards loyalty club replaces the previous MyChoice program. Earnings Statement Your earnings statement will normally include the number of Points earned, subject to adjustment as provided for in these Rules. Gambling problem? For free confidential help, call the National Problem Gambling Helpline at 1-800-GAMBLER. To get started, provide the email associated with your Radisson Rewards Americas account. The rebranding will also affect the myheroes program, designed to reward members of the US military. Call 800-762-1000 to book your adventure. Qantas: 20,000 Choice Privileges points. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe> Enjoy over 150 casino slots and table games for FREE and earn PENN Play® rewards for your play! Join now to claim free credits to use on your very own online casino. With the mychoice rewards program, members can earn perks at over 35 nationwide destinations. The UBS Rewards Service Center is available between 8:00 a. Participants must download and register for the PENN Play Loyalty App in order to participate. A FREE checking account with no monthly fees, the lowest overdraft fees in Maine, and a safety net when you need it most. To retrieve the Access Code, log into your benefit portal and find the MyChoice Mobile App logo. PENN Play LOUNGE. Valuable membership perks: 66. You can redeem 85,000 points for $250 in cruise credit or 160,000 points for $500 in cruise credit. PENN Destination. Consumer accounts are a great way to stretch your paychecks - whether you're covering out of pocket medical expenses, provider visits, lab work, glasses, or dental work. After earning, print voucher at a kiosk from 5pm – 7:55pm. All rights reserved. If you are a UPS My Choice member or Premium member, you can pick a 2-hour confirmed delivery window from within the original 4-hour estimate. The Your Extras reward options depend on your country of residence. Once you have earned 250 points, you will receive $5 in Reward Dollars to use on your next visit. Hotels worldwide. Based on our estimates, it would take approximately $5,000. MyChoice Social Casino Rewards Program. A. Let. To be eligible for this Choice Benefit, you must first link your Starbucks® Rewards account with your Delta SkyMiles account. Visit. We've designed new password guidelines for your protection. 8 of 10 UBS My Choice Rewards galleryWe have a special promotion running Monday, December 28 - Friday, January 1. By submitting your personal information and agreeing to become a member, you agree to the Choice Privileges® Program Rules and Regulations available at ChoicePrivileges. With the help of your UBS Concierge, you will receive your redemption within 30 days as a credit on your statement at the rate of $1 per 100 points. Welcome Bonus. First Name *. Download the app and log in to continue getting Real Time Rewards. The PENN Play app gives you access to everything you need to find your fun. The Tropicana Las Vegas MyChoice program has 5 tiers. See Membership Levels. Company. Based on TPG's valuations, 8,000 Choice points are worth $48. Tropicana will match tiers only for members of the casino’s previous rewards program. For most types of gift cards, there are $25, $50 and $100 options, with the $100 option costing double the $50 option and four times the $25 option. At the end of January, it became possible to transfer points between the programs at a ratio of 2 Radisson Rewards Americas points for every 1 Choice Privileges point. Besides the bonus of 5 million coins, you’ll receive $10 mycash to check out the lobby with. Points may take up to four weeks to post to member’s account after stay is completed. Play Free Slot-Style Social Casino Games on PENN Play Casino. ; from outside the U. Your gift card order will process immediately. Accessing Choice Privileges Rewards is easy. Elite Status Gets You More. MyChoice RewardsTerms and Conditions I. PointsMember Sign In. Published by Penn National on 2023-07-17. You will need to redeem 6,000 points per night and. 90,000 bonus points after spending $3,000 within 3. Delta Platinum Medallion elite members now get a choice of one of the following Choice Benefits: Four regional upgrade certificates. Benefit plan design and employee cost-share arrangements ensure the System’s competitiveness and allows Henry Ford Health to continue to attract, retain and engage the best talent while accommodating the changing. Casino. The Owners Club* - 200,000+ Tier Points. The program offers VIP discounts and benefits to its members, including discounts on dining, priority check-in at hotels, and free play at any casino owned by Penn Entertainment. or email customer service. that provides a one-stop-shop for all your Penn Entertainment needs. Most other aspects of the transaction will be unchanged for some time. Create a new password. The Choice Privileges Select card offers more benefits than the $0 annual fee Choice Privileges card since it earns 10x points on Choice stays instead of 5x, offers Platinum elite status instead of Gold, and includes perks like 30,000 annual bonus points and a Global Entry or TSA PreCheck credit. New Cardholder offer. You must be over 21, in order to proceed you must be at least 21 years of age. Need assistance? Call 1-800-875-8284 between 8:00 am and 5:00 pm Central Time, and ask for Customer Service. Manage reservations while you're on the go. Choice provides these Rules and Regulations (these “Rules”) for the Program. Or with the Personal Choice feature, you can use your points My Choice Rewards PENN Heroes is a loyalty program for the heroes who serve our country and communities. Rewards Support. No actual money or anything of value can be won playing these games. Some readers opted for bonus SkyMiles instead. Enjoy over 150 casino slots and table games for FREE and earn PENN Play® rewards for your play! Join now to claim free credits to use on your very own online casino. Carbon emissions offset. The Choice Hotels mobile app makes planning your trip and redeeming rewards even easier. Make sure that “Special Rate” is set to “Reward Points” and book a room at a hotel that offers reward nights for 8,000 points or more. Or, gift points to friends and family so they can enjoy free nights and. On top of providing cardholders with a competitively. Just like other Penn venues, Hollywood Gaming at Dayton Raceway provides customers access to the mychoice rewards program. 5x at eligible Choice hotels. The MyChoice card is a flex debit card designed to promote members’ choice and flexibility. If you no longer have access to your email. Manage reservations while you’re on the go. To search for award availability, select “reward nights” in the. Guests that have never registered for the PENN Play loyalty app (or previously mychoice loyalty app). Hollywood Casino is Pennsylvania's favorite online casino offering slots, blackjack, roulette and more. Other Ways to Get a First Tech Choice Rewards Replaced. In my view, it’s all-around great news. With no annual fee, a low rate, and discounts on travel, services, and business supplies, Redstone’s Visa ® Business Credit Card helps you pay for everyday operating expenses while planning for the future of your business. Mycash is an additional reward based on tier spending. Choice makes it easy to rack up rewards for future free nights, especially when every night at a Choice Hotel gives you 10 points per $1 spent. Check your email to finish verification. American’s 2023 Loyalty Point Rewards. A $100 charitable donation. $1,000 off the purchase of a Marriott Bonvoy retail bed. Sign In or Join Hotel Reservation 877-424-6423 All hotels and resorts listed on this website are independently owned and operated. Choose from a welcome gift or bonus points at participating hotels. Those expenses are listed in IRS Publication 502. The Penn Play players club is the loyalty card for 35 Penn National Gaming casinos. Last Name *. Featuring 200+ real Vegas casino games for free, this mobile app puts the most popular games on the casino floor right in your pocket. S. Download Mychoice rewards app, connect to a game with the MyChoice app, and establish a mywallet account to get $10, $15, and $25 mycash, respectively + 5 million credits.