2 missing basic card features could crown Chase "king" of card issuers
Sep 3, 2016 | 4:00 pm
#31
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What about Verified by Visa? It seems pretty commonly used for online purchases outside the US and having it may make purchasing train tickets, etc. easier. It doesn't seem like it'd be difficult to auto-enroll everyone and just have it send a one time code (for every purchase requiring it) via SMS or email--much like their website does when you log in from an unknown device.
Sep 5, 2016 | 10:44 am
#32
Original Poster
Join Date: Jul 2016
Posts: 535
What about Verified by Visa? It seems pretty commonly used for online purchases outside the US and having it may make purchasing train tickets, etc. easier. It doesn't seem like it'd be difficult to auto-enroll everyone and just have it send a one time code (for every purchase requiring it) via SMS or email--much like their website does when you log in from an unknown device.
Since you are a consumer, you should ask for something that benefits you!
Sep 5, 2016 | 11:13 am
#33
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I've heard of some foreign websites blocking US cards unless VbV's used. I'd say being able to buy from those is a consumer benefit.
Sep 5, 2016 | 12:38 pm
#34
Join Date: Jul 2014
Location: Austin, TX
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Sep 5, 2016 | 7:29 pm
#35
Join Date: Jan 2011
Posts: 230
Price Protection:
Citi -- Up to 60 days after purchase, up to $500 per incident, up to $2,500 per year.
EXCLUDES: Going Out-of-Business Sales, Auctions, vehicles & their parts, food/medications, tickets (airline/concert), jewelry, collectables, items for resale, services (that are not goods), anything with a service contract (cell phone), items with rebates, refurbished or used items.
Chase -- Up to 90 days after purchase, up to $500 per incident, up to $2,500 per year per card.
INCLUDES: ads for Cash Only sales, close-out/liquidation/going-out-of-business sales but only $50 per incident on these.
EXCLUDES: flea markets, limited quantities, seasonal sales, auctions, discounts of seasonal items, same as Citi from here.
NOTES: MUST file claim within 21 days of the advertised price.
Amex -- NONE. Again, Amex Plat is the highest priced card out of the bunch but fails to deliver.
Winner: Chase. 90 days vs. 60 for Citi AND Chase pays quickly. I know others may disagree with me, BUT I'm going by my experiences.
Citi -- Up to 60 days after purchase, up to $500 per incident, up to $2,500 per year.
EXCLUDES: Going Out-of-Business Sales, Auctions, vehicles & their parts, food/medications, tickets (airline/concert), jewelry, collectables, items for resale, services (that are not goods), anything with a service contract (cell phone), items with rebates, refurbished or used items.
Chase -- Up to 90 days after purchase, up to $500 per incident, up to $2,500 per year per card.
INCLUDES: ads for Cash Only sales, close-out/liquidation/going-out-of-business sales but only $50 per incident on these.
EXCLUDES: flea markets, limited quantities, seasonal sales, auctions, discounts of seasonal items, same as Citi from here.
NOTES: MUST file claim within 21 days of the advertised price.
Amex -- NONE. Again, Amex Plat is the highest priced card out of the bunch but fails to deliver.
Winner: Chase. 90 days vs. 60 for Citi AND Chase pays quickly. I know others may disagree with me, BUT I'm going by my experiences.
Sep 6, 2016 | 11:44 pm
#36
Join Date: Aug 2008
Location: Somewhere in Florida
Posts: 2,891
In your opinion, how do you think Citibank would have processed it?
I ask because I will be purchasing and iphone 7 and Macbook and am unclear whether I should charge it to be Citi or Chase card with the extended warranty being the only deciding factor between the two.
Thanks in advance for your opinion.
I ask because I will be purchasing and iphone 7 and Macbook and am unclear whether I should charge it to be Citi or Chase card with the extended warranty being the only deciding factor between the two.
Thanks in advance for your opinion.
If it were me: First thing to keep in mind is that these items are more likely to be damaged than fail on their own. That said, I'd probably buy the iPhone via Citi due to them having design flaws from time to time, like the iPhone 6/6s having defective touchscreen chips. On the Macbook, I'd probably put it on Chase for more points. The only moving part on a Macbook is the fan, and it's not going to be abused like a phone would be.
Sep 9, 2016 | 8:03 pm
#37
Original Poster
Join Date: Jul 2016
Posts: 535
To be honest, I've not filed a claim with Citi thus far, so hard for me to say from experience.
If it were me: First thing to keep in mind is that these items are more likely to be damaged than fail on their own. That said, I'd probably buy the iPhone via Citi due to them having design flaws from time to time, like the iPhone 6/6s having defective touchscreen chips. On the Macbook, I'd probably put it on Chase for more points. The only moving part on a Macbook is the fan, and it's not going to be abused like a phone would be.
If it were me: First thing to keep in mind is that these items are more likely to be damaged than fail on their own. That said, I'd probably buy the iPhone via Citi due to them having design flaws from time to time, like the iPhone 6/6s having defective touchscreen chips. On the Macbook, I'd probably put it on Chase for more points. The only moving part on a Macbook is the fan, and it's not going to be abused like a phone would be.
Sep 9, 2016 | 9:29 pm
#38
Join Date: Jun 2002
Posts: 960
Sep 10, 2016 | 1:02 am
#39
Join Date: Aug 2008
Location: Somewhere in Florida
Posts: 2,891
Sep 10, 2016 | 4:45 am
#40
Join Date: Oct 2014
Posts: 144
If you use a laptop for more than a few years, it's possible normal wear and tear can bust a ton of things, there are more parts that can fail on your macbook than a simple fan. The touchpad hardware can wear out, the hinges can break, usb ports can fail, etc.
Sep 13, 2016 | 1:03 pm
#42
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
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