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The World of Hyatt program has announced its annual award chart changes, affecting 183 properties.
Among these, 137 properties will be subject to devaluation, requiring more World of Hyatt points for free night awards if booked after March 26th, 2024.
Conversely, 46 hotels will move to a lower category, reducing the points needed for a free night award.
This blog post will list the properties changing categories and offer booking recommendations before March 26th, 2024.
Hyatt Award Charts
An encouraging aspect of this year’s changes is that Hyatt has chosen to leave its existing fixed award charts untouched.
This ensures that each category will continue to require the same number of points per night to redeem free night awards.
World of Hyatt Award Chart
Category | Off-Peak | Standard | Peak |
---|---|---|---|
1 | 3,500 | 5,000 | 6,500 |
2 | 6,500 | 8,000 | 9,500 |
3 | 9,000 | 12,000 | 15,000 |
4 | 12,000 | 15,000 | 18,000 |
5 | 17,000 | 20,000 | 23,000 |
6 | 21,000 | 25,000 | 29,000 |
7 | 25,000 | 30,000 | 35,000 |
8 | 35,000 | 40,000 | 45,000 |
Category Changes Effective 3/26/2024
New Category 8 Properties
Property | Old Category | New Category |
---|---|---|
25K-35K | 35K-45K | |
The Everline Resort & Spa, California | 7 | 8 |
Vail Residences at Cascade Village, Colorado | 7 | 8 |
Hyatt Centric, Park City, Utah | 7 | 8 |
Alila Uluwatu, Bali, Indonesia | 7 | 8 |
Hotel Du Palais Biarritz, France | 7 | 8 |
Thoughts: I was able to book Alila Uluwatu using points advance for April 2025. I am hoping award availability at Hotel Du Palais Biarritz will open before March 26th.
Milestone Reward: Hyatt’s new Ultimate Free Night Award, earned when you stay for 150 nights per calendar year, can be redeemed at Category 8 properties.
New Category 7 Properties
Property | Old Category | New Category |
---|---|---|
Increasing | 21K-29K | 25K-35K |
Alila Jabal Akhdar, Oman | 6 | 7 |
Grand Hyatt Tokyo, Japan | 6 | 7 |
Andaz Papagayo, Costa Rica | 6 | 7 |
Hyatt Regency Nice, France | 6 | 7 |
Il Tornabuoni, Florence, Italy | 6 | 7 |
Decreasing | 35K-45K | 25K-35K |
Alila Marea Beach Resort Encinitas, California | 8 | 7 |
Thoughts: I’ve been to Andaz Papagayo and Il Tornabouoni and highly recommend both.
Milestone Reward: You earn a Category 1-7 Free Night Certificate when you stay for 60 nights at Hyatt properties per calendar year. You can redeem that certificate at these properties.
New Category 6 Properties
Property | Old Category | New Category |
---|---|---|
Increasing | 17K-23K | 21K – 29K |
Hyatt Centric Gran Via Madrid, Spain | 5 | 6 |
Thompson, Madrid, Spain | 5 | 6 |
Hyatt Regency Residences, Madrid, Spain | 5 | 6 |
Park Hyatt Auckland, New Zealand | 5 | 6 |
Andaz, Singapore | 5 | 6 |
Park Hyatt Changbaishan, China | 5 | 6 |
Park Hyatt Istanbul, Macka Palas, Turkey | 5 | 6 |
Park Hyatt, Zanzibar Tanzania | 5 | 6 |
Grand Hyatt, Kuwait | 5 | 6 |
Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch, Arizona | 5 | 6 |
Hyatt Regency Lost Pines Resort, Texas | 5 | 6 |
The Grayson Hotel, New York | 5 | 6 |
Hyatt Centric Boston Faneuil Hall | 5 | 6 |
Park Hyatt, Washington DC | 5 | 6 |
Decreasing | 25K-35K | 21K – 29K |
Hyatt Carmel Highlands, California | 7 | 6 |
Magma Resort Santorini, Greece | 7 | 6 |
Thoughts: This devaluation affects Madrid Hyatts, requiring an additional 5,000 Hyatt points per night for free night stays. I enjoyed my free night stays at the Thompson, Madrid, and Park Hyatt Istanbul, Macka Palas.
New Category 5 Properties
Property | Old Category | New Category |
---|---|---|
Increasing | 12K-18K | 17K – 23K |
Manchester Grand Hyatt, San Diego | 4 | 5 |
Hyatt Regency, Washington DC | 4 | 5 |
Grand Hyatt, Washington DC | 4 | 5 |
Hyatt House, Washington DC The Wharf | 4 | 5 |
Hyatt Place, Panama City Beach, Florida | 4 | 5 |
Hyatt House, Augusta Downtown, Georgia USA | 4 | 5 |
Hyatt Place, Athens Downtown, Georgia USA | 4 | 5 |
Hyatt Centric, Waikiki Beach, Hawaii | 4 | 5 |
Thompson, Chicago | 4 | 5 |
Hyatt Regency Boston/Cambridge | 4 | 5 |
Hyatt Centric, The Woodlands, Texas | 4 | 5 |
Hyatt Regency, Changbaishan, China | 4 | 5 |
Hyatt Regency, Dusseldorf, Germany | 4 | 5 |
The Wellem Dusseldorf, Germany | 4 | 5 |
Hyatt Centric Milan Centrale, Milan, Italy | 4 | 5 |
The Tribune part of JDV by Hyatt, Rome, Italy | 4 | 5 |
Decreasing | 21K – 29K | 17K – 23K |
Hyatt Regency Lake Tahoe, Nevada | 6 | 5 |
Thoughts: If you have a Category 1-4 free night award certificate, now is the time to use it at any of these properties before they become Category 5. I just redeemed my free night certificate at the Thompson Chicago this summer.
New Category 4 Properties
Property | Old Category | New Category |
---|---|---|
United States (Increasing) | 9K-15K | 12K-18K |
Hyatt Regency La Jolla, California | 3 | 4 |
Hyatt Regency, Mission Bay Spa & Marina, California | 3 | 4 |
Hyatt Regency Westlake, California | 3 | 4 |
Hyatt House San Jose / Cupertino, California | 3 | 4 |
Grand Hyatt, Denver, Colorado | 3 | 4 |
Hyatt Regency Denver at Colorado Convention Center | 3 | 4 |
Hyatt Centric Downtown Denver | 3 | 4 |
Hyatt Place Washington DC / Georgetown / West End | 3 | 4 |
Hyatt Place Washington DC / National Mall | 3 | 4 |
Hyatt Place Washington DC / Downtown | 3 | 4 |
Hyatt Regency Coral Gables, Florida | 3 | 4 |
Hyatt Place West Palm Beach, Florida | 3 | 4 |
Hyatt Place Boca Raton, Florida | 3 | 4 |
Hyatt Place St. Petersburg / Downtown, Florida | 3 | 4 |
Hyatt Place Waikiki Beach, Hawaii | 3 | 4 |
Hyatt Regency Chicago | 3 | 4 |
Hyatt House Chicago West Loop | 3 | 4 |
Hyatt House Chicago / Evanston | 3 | 4 |
The Elms Hotel and Spa, Missouri | 3 | 4 |
Hyatt Regency Morristown, New Jersey | 3 | 4 |
Hyatt Regency Tamaya Resort, New Mexico | 3 | 4 |
Hyatt House White Plains, New York | 3 | 4 |
The Carolina Inn, North Carolina | 3 | 4 |
Hyatt Place Knoxville / Downtown, Tennessee | 3 | 4 |
Hyatt Regency Salt Lake City, Utah | 3 | 4 |
United States (Decreasing) | 17K -23K | 12K-18K |
Kissel Uptown Oakland, In The Unbound Collection By Hyatt | 5 | 4 |
Hyatt Centric Fisherman’s Wharf San Francisco | 5 | 4 |
Hyatt Place Santa Cruz | 5 | 4 |
International (Increasing) | 9K-15K | 12K-18K |
Hyatt Centric Venice Murano, Italy | 3 | 4 |
Grand Hyatt Istanbul | 3 | 4 |
Park Hyatt Siem Reap | 3 | 4 |
Grand Hyatt Dalian, China | 3 | 4 |
Grand Hyatt Goa, India | 3 | 4 |
The Diwa Club by Alila, India | 3 | 4 |
Andaz Pattaya Jomtien Beach, Thailand | 3 | 4 |
Hyatt Regency Danang Resort and Spa, Vietnam | 3 | 4 |
Park Hyatt Mendoza, Argentina | 3 | 4 |
The Anndore House, Canada | 3 | 4 |
Hyatt Regency Toronto | 3 | 4 |
Thompson Playa Del Carmen Main House, Mexico | 3 | 4 |
Hyatt Regency Andares Guadalajara, Mexico | 3 | 4 |
Hyatt Place London City East | 3 | 4 |
International (Decreasing) | 17K -23K | 12K-18K |
Alila Wuzhen, China | 5 | 4 |
Firstname Bordeaux, France | 5 | 4 |
Thoughts: Park Hyatt Siem Reap and Hyatt Centric Venice Murano are exceptional properties. It is also exciting to note the downgrade of three San Francisco Bay Area properties from Category 5 to Category 4, allowing them to be booked again using Hyatt’s Free Night Award Certificates.
New Category 3 Properties
Property | Old Category | New Category |
---|---|---|
United States (Increasing) | 6.5K – 9.5K | 9K – 15K |
Hyatt Regency Greenwich, Connecticut | 2 | 3 |
The Forester a Hyatt Place Hotel, Illinois | 2 | 3 |
Hyatt Place Detroit / Royal Oak | 2 | 3 |
Hyatt Place Secaucus / Meadowlands, New Jersey | 2 | 3 |
Hyatt House Charlotte / Center City, North Carolina | 2 | 3 |
Hyatt Place Charlotte Downtown, North Carolina | 2 | 3 |
Hyatt Place Greensboro Downtown, North Carolina | 2 | 3 |
Hyatt House Raleigh North Hills, North Carolina | 2 | 3 |
Hyatt Regency Cincinnati, Ohio | 2 | 3 |
Hyatt Place Austin Airport, Texas | 2 | 3 |
Hyatt Regency Crystal City, Virginia | 2 | 3 |
Hyatt Place Milwaukee Downtown, Wisconsin | 2 | 3 |
United States (Decreasing) | 12K-15K | 9K – 15K |
Tommie Hollywood, California | 4 | 3 |
Hyatt Place Emeryville / San Francisco Bay Area, California | 4 | 3 |
Waterfront Hotel, California | 4 | 3 |
Hyatt House Emeryville / San Francisco Bay Area, California | 4 | 3 |
Hyatt House Belmont / Redwood Shores | 4 | 3 |
International (Increasing) | 6.5K – 9.5K | 9K – 15K |
Hyatt Regency Istanbul, Atakoy, Turkey | 2 | 3 |
Andaz Capital Gate Abu Dhabi, UAE | 2 | 3 |
Hyatt Regency Phnom Penh, Cambodia | 2 | 3 |
Taoxichuan Hotel, China | 2 | 3 |
Alila Diwa Goa, India | 2 | 3 |
Grand Hyatt Mumbai, India | 2 | 3 |
Alila Ubud, Indonesia | 2 | 3 |
Hyatt Regency Bangkok Sukhumvit, Thailand | 2 | 3 |
Hyatt Place Aruba Airport, Aruba | 2 | 3 |
International (Decreasing) | 12K-15K | 9K – 15K |
Hyatt Centric Melbourne, Australia | 4 | 3 |
Park Hyatt Ningbo Resort & Spa, China | 4 | 3 |
Hyatt Regency Sanya Tianli Bay | 4 | 3 |
Grand Hyatt Shanghai | 4 | 3 |
Hyatt Centric Kanazawa | 4 | 3 |
Hyatt Regency Tokyo Bay | 4 | 3 |
Hyatt Regency Naha, Okinawa | 4 | 3 |
Grand Hyatt Taipei | 4 | 3 |
Thoughts: It’s fantastic to see so much downward movement in this category, with three Japan and four San Francisco Bay Area properties dropping in price.
New Category 2 Properties
Property | Old Category | New Category |
---|---|---|
United States (Increasing) | 3.5K – 6.5K | 6.5K – 9.5K |
Hyatt Place Atlanta / Alpharetta / Windward Parkway, Georgia | 1 | 2 |
Hyatt Place Kansas City / Overland Park / Convention Center, Kansas | 1 | 2 |
Hyatt Place Kansas City / Overland Park / Metcalf, Kansas | 1 | 2 |
Hyatt Place Kansas City / Lenexa City Center, Kansas | 1 | 2 |
Hyatt Place Greensboro, North Carolina | 1 | 2 |
Hyatt Regency Tulsa, Oklahoma | 1 | 2 |
Hyatt Place Tulsa / Downtown, Oklahoma | 1 | 2 |
Hyatt House Philadelphia / Plymouth Meeting, Pennsylvania | 1 | 2 |
Hyatt Regency Dulles, Virginia | 1 | 2 |
United States (Decreasing) | 9K – 15K | 6.5K – 9.5K |
Hyatt Centric Downtown Portland, Oregon | 3 | 2 |
Hyatt House Portland / Downtown, Oregon | 3 | 2 |
Hyatt House Mount Pleasant Midtown, South Carolina | 3 | 2 |
Hyatt Place Mount Pleasant Towne Centre, South Carolina | 3 | 2 |
International (Increasing) | 3.5K – 6.5K | 6.5K – 9.5K |
Hyatt Centric Candolim Goa, India | 1 | 2 |
Hyatt Centric Juhu Mumbai, India | 1 | 2 |
Hyatt Regency Jaipur Mansarovar, India | 1 | 2 |
Hyatt House Winnipeg South / Outlet, Canada | 1 | 2 |
Hyatt Regency Sofia | 1 | 2 |
Hyatt House Paris CDG Airport Hyatt Place Paris CDG Airport | 1 | 2 |
Lindner Hotel Berlin Ku Damm | 1 | 2 |
Lindner Hotel Cologne City Plaza | 1 | 2 |
Lindner Hotel Cologne Am Dom | 1 | 2 |
Hyatt Regency Belgrade | 1 | 2 |
Hyatt Place London Heathrow Airport | 1 | 2 |
International (Decreasing) | 9K – 15K | 6.5K – 9.5K |
Grand Hyatt Guangzhou, China | 3 | 2 |
Hyatt House Kanazawa, Japan | 3 | 2 |
Hyatt Place Kyoto | 3 | 2 |
Thoughts: Two properties in Japan are going down a category, plus the Grand Hyatt Guangzhou has one of the best breakfasts I’ve had at a property in Asia.
New Category 1 Properties
Property | Old Category | New Category |
---|---|---|
6.5K – 9.5K | 3.5K – 6.5K | |
Wild Palms Hotel – a Joie de Vivre Hotel, California | 2 | 1 |
Hyatt Place Fort Wayne Northwest, Indiana | 2 | 1 |
Hyatt Place Fort Worth / Alliance Town Center, Texas | 2 | 1 |
Hyatt House The Woodlands-Shenandoah, Texas | 2 | 1 |
Hyatt Place San Antonio-Northwest / Medical Center, Texas | 2 | 1 |
Hyatt Place Waco, Texas | 2 | 1 |
Hyatt Regency Cape Town, South Africa | 2 | 1 |
Bei Zhaolong A Joie De Vivre | 2 | 1 |
Hyatt Regency Hengqin | 2 | 1 |
Hyatt Regency Dongguan | 2 | 1 |
Hyatt Regency Hainan Ocean Paradise Resort | 2 | 1 |
Hyatt Regency Shanghai Songjiang | 2 | 1 |
Hyatt Regency Chongming | 2 | 1 |
Hyatt Centric Kota Kinabalu, Malaysia | 2 | 1 |
Hyatt Place New Taipei City Xinzhuang | 2 | 1 |
Thoughts: I’m glad the San Francisco Bay Area finally has a mattress-run-friendly Category 1 property — Wild Palms.
Hyatt All-Inclusive Properties Award Chart
Hyatt has notably raised the points needed for stays at select family-friendly all-inclusive properties like the Zivas in Cancun, Cap Cana, Rose Hall, Puerto Vallarta, and Cabo.
This change poses a challenge for families looking to enjoy budget-friendly vacations using World of Hyatt points.
World of Hyatt Award Chart for All-Inclusive Properties
Category | Off-Peak | Standard | Peak |
---|---|---|---|
A | 12,000 | 15,000 | 18,000 |
B | 17,000 | 20,000 | 23,000 |
C | 21,000 | 25,000 | 29,000 |
D | 25,000 | 30,000 | 35,000 |
E | 35,000 | 40,000 | 45,000 |
F | 42,000 | 50,000 | 58,000 |
All-Inclusive Category Changes Effective 3/26/2024
Property | Old Category | New Category |
---|---|---|
Latin America | ||
Hyatt Zilara Cap Cana, Dominican Republic | E | F |
Hyatt Ziva Cap Cana, Dominican Republic | E | F |
Hyatt Ziva Cancun, Mexico | E | F |
Hyatt Ziva Los Cabos, Mexico | D | E |
Hyatt Zilara Rose Hall, Jamaica | D | E |
Hyatt Ziva Rose Hall, Jamaica | D | E |
Secrets Tulum Resort and Beach Club, Mexico | B | D |
Secrets Playa Mujeres Golf & Spa Resort, Mexico | C | D |
Hyatt Ziva Puerto Vallarta, Mexico | C | D |
Secrets St. Martin Resort & Spa, St. Martin | D | C |
Europe | ||
Secrets Mallorca Villamil Resort, Spain | C | D |
AluaSoul Ibiza, Spain | A | B |
Alua Soul Menorca, Spain | A | B |
AluaSoul Mallorca Resort | A | B |
Dreams Calvia Mallorca | B | A |
Thoughts: This devaluation is especially brutal for families, as the rates at the most sought-after family-friendly all-inclusive World of Hyatt properties are increasing substantially.
The Properties to Book
The table below lists the properties that will increase by at least 10,000 Hyatt points per night.
Property | Old Category | New Category |
---|---|---|
Hyatt Ziva Cancun, Mexico | 40K | 50K |
Hyatt Zilara Cap Cana, Dominican Republic | 40K | 50K |
Hyatt Ziva Cap Cana, Dominican Republic | 40K | 50K |
Hyatt Zilara Rose Hall, Jamaica | 30K | 40K |
Hyatt Ziva Rose Hall, Jamaica | 30K | 40K |
Hyatt Ziva Los Cabos, Mexico | 30K | 40K |
The Everline Resort & Spa, California | 30K | 40K |
Vail Residences at Cascade Village, Colorado | 30K | 40K |
Hyatt Centric, Park City, Utah | 30K | 40K |
Alila Uluwatu, Bali, Indonesia | 30K | 40K |
Hotel Du Palais Biarritz, France | 30K | 40K |
Secrets Tulum Resort & Beach Club, Mexico | 20K | 30K |
Booking Strategies
Hyatt Member | Recommendations |
---|---|
All Members | Book properties by March 26, 2024 to lock in the old award chart rates. |
Globalist | Book properties using points advance perk. |
Member | Book properties that are going up in category. Focus on higher categories. |
Member with a Category 1-4 Free Night Certificate | Book properties that are going up to Category 5. |
Member with a Category 1-7 Free Night Certificate | Book properties that are going up to Category 8. |
Families | Book the all-inclusive properties that will go up by at least 10,000 World of Hyatt points per night. |
Couples/ Friends | Book the adults-only all-inclusive properties going up by at least 10K World of Hyatt points per night. |
Solo Traveler | Book any of the properties going up in category. |
Member with Club Lounge Award | Book any hotel property with a Regency Club that is also going up in category, such as the Manchester Grand Hyatt in San Diego. |
Travel Miles and Points Facebook Group
Join other points enthusiasts in our free Travel Miles and Points Facebook Group, where we post and discuss all Hyatt deals and promos. We look forward to seeing you there!
Frequently Asked Questions (FAQs)
The information in this section was taken from Hyatt.com.
World of Hyatt annually reviews the points needed for a complimentary night stay and Points + Cash redemption at each property. A hotel’s award category may be modified in response to prevailing market conditions.
When will the changes to the award chart become effective?
World of Hyatt will adjust the award categories for 183 hotels effective 8:00 a.m. CT, March 26, 2024.
Which award chart will be in effect for free night award redemption reservations made before 8:00 a.m. CT on March 26, 2024?
All free night award redemptions made before 8:00 a.m. CT on March 26, 2024, will adhere to the existing Award Chart. If you reserve an award night before this time for a stay on or after March 26, the current Award Chart rules will be in effect. Any free night awards reserved or modified on or after 800 am CT on March 26, 2024, will be subject to the new Award Chart.
Which award chart will apply for Category 1-4 and Category 1-7 award reservations booked before 8:00 a.m. CT on March 26, 2024?
Any Hyatt Category 1-4 and 1-7 free night awards reserved before 8:00 a.m. CT, March 26, 2024, will adhere to the existing Award Chart. The current Award Chart will apply if you secure a category 1-4 or 1-7 free night award booking before 8:00 a.m. CT, March 26, 2024, for a stay on or after March 26, 2024. However, any Category 1-4 or 1-7 free night award redemption made or revised at 8:00 a.m. CT, March 26, 2024, or later will be subject to the new Award Chart.
How will award reservations made before 8:00 a.m. CT on March 26, 2024, be affected if the hotel I am currently staying at increases the points required?
Any Free Night or Points + Cash Award booked before 8:00 a.m. CT on March 26, 2024, at a property moving to a higher category and requiring more points will not be affected. The reservations will remain at the initially booked point level.
For instance, if a Free Night Award was booked at a Category 1 hotel for 5,000 points before 8:00 a.m. CT on March 26, 2024, and the hotel moves to Category 2, requiring 8,000 points, the award will still be honored at 5,000 points. If the member cancels this Free Night Award later, only the original 5,000 points will be returned to the member’s account, reflecting the points used during the initial booking.
How will reservations made before 8:00 a.m. CT on March 26, 2024, be affected if the hotel I booked reduces the points required?
Before 8:00 a.m. CT on March 26, 2024, any Free Night or Points + Cash Award reservation made for dates on or after March 26, 2024, at a property moving to a lower category with reduced point requirements will be adjusted. The World of Hyatt Customer Care Center will proactively credit the point difference to the member’s account starting March 27, 2024.
If an adjusted reservation is canceled, the originally deducted points will be refunded, while the adjusted points will be deducted. For instance, if a member booked a Free Night Award before 8:00 a.m. CT on March 26, 2024, for a Category 2 hotel at 8,000 points, which later transitions to a Category 1 hotel requiring 5,000 points, they will receive a 3,000-point refund. In case of cancellation, the initial 8,000-point award will be reinstated before removing the 3,000-point adjustment.
How will adjustments to current reservations be managed from 8:00 a.m. CT on March 26, 2024?
Any changes to reservations made on or after 8:00 a.m. CT, March 26, 2024, will be subject to the updated Award Chart terms. If adjustments to Category 1-4 or 1-7 Award Night bookings result in the need for a new award issuance, these cannot be redeemed for hotels reclassified above Category 4 or 7 after 8:00 a.m. CT, March 26, 2024.
Credit Cards that Earn World of Hyatt Points
Credit Cards | Details |
---|---|
Credit Cards that earn Ultimate Rewards (UR) Points | 1 Chase UR : 1 Hyatt Point |
Chase Sapphire Preferred® Card | Welcome Offer |
Chase Sapphire Reserve® | Welcome Offer |
Ink Business Preferred® Credit Card | Welcome Offer |
Credit Cards that earn World of Hyatt Points | |
The World of Hyatt Credit Card | Welcome Offer |
World of Hyatt Business Credit Card | Welcome Offer |
Credit Cards that can convert into Chase Ultimate Rewards (UR) Points* | Steps to Convert |
Chase Freedom Flex® | Welcome Offer |
Chase Freedom Unlimited® | Welcome Offer |
Ink Business Cash® Credit Card | Welcome Offer |
Ink Business Unlimited® Credit Card | Welcome Offer |
Final Thoughts
The upcoming World of Hyatt devaluation is causing concern among points enthusiasts and program members.
With several properties, especially family-centric all-inclusive resorts, set to move up in category and cost more points per night, budget-conscious travelers should seize the opportunity to book at lower rates before March 26th.
This post offers valuable insights on properties to secure before the devaluation.
Savvy Hyatt members should book before the changes occur on March 26th to maximize their points and ensure optimal value from future stays.
Given that loyalty programs undergo frequent devaluations almost every year, people who use travel miles and points must stay informed and plan ahead to maximize their points effectively.
Are you booking something before the 26th?
EDITORIAL DISCLOSURE – Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. The content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.