Recently applied for and received a Citibank Hilton Honors Signature Visa Card since I usually stay at Hilton chain establishment when traveling. Getting the sign-up bonus and 6 bonus points for every dollar spent at Hiltons seemed to be a nice perk. After signing up and receiving the card, I found out that Citibank is advertising two different programs on the signature card (neither one is dated).
Program #1 is a 25,000 point Hilton bonus with a 6,3,1 multiplier for additional Hilton points (6 for $$ spent at Hiltons, 3 for $$ spent at selected retail stores, and 1 for all other purchases).
Program #2 is a 15,000 point Hilton bonus with a 3,2,1, multiplier for additional Hilton points (as above).
When I checked my Hilton Honors Bonus points after the first two Citibank billing cycles on the VISA Signature Card -- yep, you guessed it, Citibank and/or Hilton credited my account with the amounts in Program #2 (the lower of the two programs).
I have not confronted either entity with this "bait-and-switch" scam yet, but I am posting it here so that others may be aware of this scheme.
If you GOOGLE "Citibank Hilton Honors Signature", you will see that both Programs #1 and #2 are concurrently offered, a convenient excuse to give customers the LOWER of the two -- and unless they catch it or complain, save themselves crediting a lot of bonus points to the customer.
...And to think that Citibank (and others) have a Fraud Department to keep themselves from being cheated by their customers. What a laugh!!!
I'll update this info from time to time here so check back.....
Happy Trails to all who travel