Posted by William Charles on May 24, 2018
Credit Cards

Published on May 24th, 2018 | by William Charles

34

Full List Of Negative Changes Citi Is Making On July 29th, 2018

In case you missed it Citi is making some negative changes:

I wondered what other changes they are making and thought I should probably answer that for myself. Note these changes are confirmed for the Citi Prestige, I’m not sure about other cards. All changes will go into effect on July 29th, 2018.

  • Worldwide Car Rental Insurance: Maximum coverage decreased to $75,000 from $100,000
  • Trip Cancellation & Interruption Protection: No longer covers travelling companions. They MUST be family in order to qualify.
  • Damage & Theft Purchase Protection: Coverage is now secondary, previously it was primary for everybody apart from those in New York. Excluded items will also include: lost items, firearms, ammunition, jewelry, watches, tires or items that are under the care and control of a third party including, but not limited to, the U.S. Postal Service, airlines, or delivery services.
  • Trip Delay Policy: No longer covers travelling companions. They MUST be family in order to qualify.
  • Lost Baggage Protection and Travel & Emergency Assistance: No longer covers travelling companions. They MUST be family in order to qualify.
  • Citi Price Rewind: See those changes here. In addition the following items are excluded: won’t include consumables, tires, watches, firearms, or ammunition. You won’t be reimbursed if the lower priced item is found at a warehouse club where the merchant requires a customer to pay a membership fee.
  • 90 Day Return Protection: Maximum reimbursable per year is going from $2,500 to $1,500. No only covers 90 days, previously it was 120. Will also no longer apply to the following: include firearms, ammunition, tires, jewelry, furniture or appliances.

I suspect cardholders will receive letters outlining these changes soon.



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Dan
Dan

*sigh* this card started out so awesome also….

Paul
Paul

Seriously, this is so weak.

Sean
Sean

I thought the axing of Admirals club was going to be their ‘final’ cut… boy was I wrong…. citi is giving us every
Reason to lose the card

S Nack
S Nack

The only one benefit I wish for: 50% extra value for TY Points when redeemed for travel, like the CSR and US Bank Altitude.

Kool Stone
Kool Stone

No longer a dream card for me anymore….lost many great features.

Thankyou Premier card will be just fine enough.

Darvin Ray
Darvin Ray

I wonder if other Citi cards will also get affected by these changes. Especially the AAdvantage Platinum and Executive that has some decent travel protections.

Darvin Ray
Darvin Ray

Just a datapoint: It seems to be affecting several citi cards. I just logged into my Citi account that has Citi DoubleCash and clicked on the Benefits tab. and I got this.

“We wanted to let you know about some upcoming changes to some of your Shopping and Travel Benefits. Effective July 29, 2018.

Roadside Assistance Dispatch Service and Travel & Emergency Assistance benefits will be removed and you will no longer be eligible to use these benefits effective July 29, 2018.

For purchases made on or after July 29, 2018:

Worldwide Car Rental Insurance: Program coverage won’t apply to charges or expenses for the loss of use of the rental car, rental agency fees, or taxes.
Trip Cancellation & Interruption Protection: You may be reimbursed up to a maximum of $1,500 per trip and $5,000 per calendar year. Please note, coverage will be limited to you and your family members. For updated coverage terms, see the Covered Reasons section for this benefit in your Guide to Protection Benefits.

Damage & Theft Purchase Protection: You may be covered for up to $1,000 per incident for 90 days from the date of purchase or delivery of the item purchased with your card. Please note, coverage provided by this benefit will be secondary (meaning if you have another insurance policy, this benefit will cover only the amount your other policies do not). Coverage won’t include firearms, ammunition, jewelry, watches, tires or items that are under the care and control of a third party including, but not limited to, the U.S. Postal Service, airlines, or delivery services.

Citi Price Rewind: You may be reimbursed up to a maximum of $200 per item and $1,000 per calendar year. Program coverage won’t include consumables, tires, watches, firearms, or ammunition. You won’t be reimbursed if the lower priced item is found at a warehouse club where the merchant requires a customer to pay a membership fee.

90 Day Return Protection: Program coverage won’t include firearms, ammunition, tires, jewelry, furniture or appliances.
An updated Guide to Protection Benefits, with complete coverage details, including coverage limits, what’s covered and what’s not covered, is available under “Quick links”. If you have questions regarding coverage call 1-866-918-4670 (TTY: Use Relay Service).”

Darvin Ray
Darvin Ray

And when i checked out the benefits for the Citi AAdvantage Platinum, I got this:

“We wanted to let you know about some upcoming changes to some of your Shopping and Travel Benefits. Effective July 29, 2018.

For purchases made on or after July 29, 2018:

Worldwide Car Rental Insurance: You may be reimbursed up to a maximum of $50,000. Program coverage won’t apply to charges or expenses for the loss of use of the rental car, rental agency fees, or taxes.

Trip Cancellation & Interruption Protection: You may be reimbursed up to a maximum of $5,000 per trip. Please note, coverage provided will be limited to you and your family members. For updated coverage terms, see the Covered Reasons section for this benefit in your Guide to Protection Benefits.

Damage & Theft Purchase Protection: You may be covered for up to $10,000 per incident for 90 days from the date of purchase or delivery of the item purchased with your card. Please note, the coverage provided by this benefit will be secondary (meaning if you have another insurance policy, this benefit will cover only the amount your other policies do not). Coverage won’t include firearms, ammunition, jewelry, watches, tires or items that are under the care and control of a third party including, but not limited to, the U.S. Postal Service, airlines, or delivery services.

Trip Delay Protection, Baggage Delay Protection, Lost Baggage Protection and Travel & Emergency Assistance: Program coverage will be limited to you and your family members.

Citi Price Rewind: You may be reimbursed up to a maximum of $200 per item and $1,000 per calendar year. Program coverage won’t include consumables, tires, watches, firearms, or ammunition. You won’t be reimbursed if the lower priced item is found at a warehouse club where the merchant requires a customer to pay a membership fee.

90 Day Return Protection: You may be reimbursed up to a maximum of $300 per item and $1,000 per calendar year. Program coverage won’t include firearms, ammunition, tires, jewelry, furniture or appliances.

An updated Guide to Protection Benefits, with complete coverage details, including coverage limits, what’s covered and what’s not covered, is available under “Quick links”. If you have questions regarding coverage call 1-866-918-4670 (TTY: Use Relay Service).”

frogger
frogger

Still seems pretty good.

Darvin Ray
Darvin Ray

So, I just went to my excel sheet and here are the changes in the benefits I have on my citi cards:

Citi DoubleCash:

Price protection – reduced from $500/item to $200/item.

Purchase protection – reduced from: 120 Days to 90 Days.

Return Protection – Program coverage will no longer include firearms, ammunition, tires, jewelry, furniture or appliances.

Rental Car Coverage – removed the coverage all together.

Trip Cancellation & Interruption – reduced from $3000/Traveler to $1500/Traveler. And will now have a limit of $5000/year. Family is still covered but Travel companion is no longer covered.

Citi AAdvantage Platinum:

Price Protection – reduced from $500/item to $200/item

Purchase protection – reduced from: 120 Days to 90 Days.

Return Protection – Program coverage will no longer include firearms, ammunition, tires, jewelry, furniture or appliances.

Rental Car Coverage – Reduced from $75,000 to $50,000.

Trip Cancellation & Interruption: Still covered up to $5000/Trip. Family is still covered but Travel companion are no longer covered.

Trip Delay Protection, Baggage Delay Protection, Lost Baggage Protection and Travel & Emergency Assistance: Amount of coverage wont change BUT program coverage will be limited to you and your family members. Travel companions are no longer covered.

Citi defines “Family” as:“Family Members means your children, spouse, fiancée, Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; son-in-law or daughter-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.”

Electroman
Electroman

Loss of “loss of use” coverage for the rental car is far worse than limiting the dollar amount to 50k. The rental companies will *hammer* you on this. If you damage their car to the tune of $10,000 – they can get several times that back now by loss of use charges.

Ryan
Ryan

Agreed, without this, I’d never rely on their coverage – this is a big loss.

Frogger
Frogger

Well if you want to rent 5 series this does have an effect.

Duke I.

Citi never sleeps because they always making negative changes. But I like its 15 months zero interest cards.

Frogger
Frogger

Don’t they 3 percent transfer fees?

Jon
Jon

meh, still worth it for the 4th night free….easily the single greatest perk on any card even if it was slightly nerfed.

Igor
Igor

Card is nerfed! Sad!

Darvin Ray
Darvin Ray

Just a side note: Citi defines “Family” as:
“Family Members means your children, spouse, fiancée, Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; son-in-law or daughter-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.”

So, for Trip Delay. it still covers more than CSR -which only covers you, your spouse and your kids.

Zack
Zack

So how would Citi be able to differentiate between a girlfriend/boyfriend and a fiancee?

Darvin Ray
Darvin Ray

Well, the fiancée would be the one that has billion of “ring on her finger” pictures posted all over her Facebook and Instagram. While the girlfriend is the one that has been passive aggressively playing Beyonce’s song Single Ladies in the background on a loop.

“If you liked it, then you should have put a ring on it
Oh, oh, oh.
Oh, oh, oh, oh, oh, oh”

HoKo
HoKo

Hahaha, nailed it

Pam
Pam

Thanks. This’s exactly what I’m looking for.

sunny
sunny

after they announced all the changed to this card maybe they will have a signup bonus so they want people to get it. this card was in my wish list just for the 3hr trip delay and 4th night free but it doesn’t make sense to get this card just for that since i don’t pay the full price on the hotels.hotels.com 10 night free is still much better lol

Jeffrey
Jeffrey

Purchase Protection is now 90 vs 120 days too…

Yoni
Yoni

It almost sounds like the “Tour Group & PP Lounge access” with CSR. I could see how someone if they had the credit line using it to book tours, otherwise I wonder why they would change it, kinda seems hard to exploit just with “traveling companions” unless you booked a tour.

It seems likes the other negative changes are just another de-valuation that is starting to be the norm lately.

Charlie
Charlie

Many business travelers travel in groups of 3, 4, 5, or even 6 people. I’ve watched them arrive at a lounge and all be admitted because one member of the group had a credit card.

JoeHeg

Would the changes to this card take effect for claims made after that date or for reservations paid for after that date? So if I booked a trip in August three months ago, would I get the old benefits or the new ones?

SMan
SMan

I have Citi Thankyou Rewards basic card (my first card), with no annual fee. I got the similar email about benefits. I got this card decades ago, when I was still in school (The gap between my Citi card and second one is more than a decade). So I am stuck with this card.

Michael H
Michael H

Cancelled mine, and got back my prorated annual fee. I won’t bend over for ripping card benefits out from under me on a premium card like this.

If they come up with something else worthwhile, I may go for it again.. As it stands I don’t get enough out of JUST the 4th night free.

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