Negative changes to Citi Prestige insurance and protection benefits , 29 July 2018.
May 25, 2018, 9:49 am
#16
Join Date: Nov 2015
Location: FL, USA
Programs: AA Plat, Hyatt Explorist, Hilton Diamond, IHG Plat, Marriot Gold
Posts: 1,666
I think a big part of the problem is that many normal people dropped the card after the loss of Admirals access, 1.6 cpp AA redemptions, and golf. The transfer partner list is also not one that normal people would find convenient. Citi reduced Prestige to a card that largely appealed to people who knew the benefit terms and/or used exotic transfer partners. That's probably a pretty savvy and unprofitable customer base.
I think you are completely right. That is the reason I used the card, was more for the travel insurance benefits than anything else. It really has no other appeal (other than to me itts my oldest credit line so I would just have to drop it to another Citi card.)
You would think they would try to compete in the market and not make it worse.
May 25, 2018, 10:06 am
#17
Original Member
Join Date: May 1998
Location: NYC
Programs: AA 2MM, Bonvoy LTT, Hilton Diamond
Posts: 14,636
I think a big part of the problem is that many normal people dropped the card after the loss of Admirals access, 1.6 cpp AA redemptions, and golf. The transfer partner list is also not one that normal people would find convenient. Citi reduced Prestige to a card that largely appealed to people who knew the benefit terms and/or used exotic transfer partners. That's probably a pretty savvy and unprofitable customer base.
May 25, 2018, 10:29 am
#18
Original Poster
Join Date: Aug 2014
Posts: 3,720
Haven't had a chance to personally verify, but I read that Citi defines Family Members as
“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.”
May 25, 2018, 10:39 am
#19
Join Date: Mar 2014
Programs: LH Senator, Bonvoy Titanium, Hyatt Globalist
Posts: 121
The $50k++/year on flights I'll put onto AMEX or Chase for all travel after July 29th. So far, I used the Prestige out of convenience ("one travel card") and great insurance benefits, regardless of the inconvenient transfer partners. Gotta vote with your wallet and I am sure Chase and AMEX will be happy for the extra spend.
May 25, 2018, 10:55 am
#20
Join Date: Nov 2015
Location: FL, USA
Programs: AA Plat, Hyatt Explorist, Hilton Diamond, IHG Plat, Marriot Gold
Posts: 1,666
May 25, 2018, 10:56 am
#21
Join Date: Nov 2015
Location: FL, USA
Programs: AA Plat, Hyatt Explorist, Hilton Diamond, IHG Plat, Marriot Gold
Posts: 1,666
Exactly. I'll likely keep the card for the 4th night, but only because most of my travel is exactly 4 nights and booking through the concierge has become pretty blissful since they have my preferences down. Once that gets discontinued, which I suppose is only a matter of time, I'll close the card and have my normal travel agent book 4 night stays rather than only 1-3 or 5+ night stays.
The $50k++/year on flights I'll put onto AMEX or Chase for all travel after July 29th. So far, I used the Prestige out of convenience ("one travel card") and great insurance benefits, regardless of the inconvenient transfer partners. Gotta vote with your wallet and I am sure Chase and AMEX will be happy for the extra spend.
The $50k++/year on flights I'll put onto AMEX or Chase for all travel after July 29th. So far, I used the Prestige out of convenience ("one travel card") and great insurance benefits, regardless of the inconvenient transfer partners. Gotta vote with your wallet and I am sure Chase and AMEX will be happy for the extra spend.
Last edited by mia; May 25, 2018 at 11:37 am Reason: Formatting
May 25, 2018, 11:01 am
#22
Join Date: Mar 2014
Programs: LH Senator, Bonvoy Titanium, Hyatt Globalist
Posts: 121
Bolding mine, I don't have that kind of spend but yes I do the same. Its the most convenient card for me that has it almost all. I will have to see what I do after July 29. The benefits seem the same as CSR for travel so I don' think I will plan to get one just to spite LOL
May 25, 2018, 11:11 am
#23
Join Date: Apr 2005
Location: Wherever the lounge is
Posts: 145
What about flight's purchased before 7/29?
Hi all,
Does anyone know how the benefits will work for travel booked, say in March 2018 for travel in September 2018? Does the 3 hour flight/ baggage delay window control or is it the new 6 hour window?
I have gotten a lot of benefit from this in the past with luggage delay. I am not sure if the 6 hour window would have excluded my claims, but maybe not. But, particularly where your luggage does not end up in the airport when you do, it's nice to know whether you will need to buy essentials, and when you can do that. In my experience, airlines give a lowball estimate arrival of your missing luggage, and, in my experience, they normally exceed that time.
Does anyone know how the benefits will work for travel booked, say in March 2018 for travel in September 2018? Does the 3 hour flight/ baggage delay window control or is it the new 6 hour window?
I have gotten a lot of benefit from this in the past with luggage delay. I am not sure if the 6 hour window would have excluded my claims, but maybe not. But, particularly where your luggage does not end up in the airport when you do, it's nice to know whether you will need to buy essentials, and when you can do that. In my experience, airlines give a lowball estimate arrival of your missing luggage, and, in my experience, they normally exceed that time.
May 25, 2018, 11:11 am
#24
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
The mountain of evidence makes anyone who disagrees look delusional.
May 25, 2018, 11:20 am
#25
Join Date: Mar 2016
Posts: 398
and an extra $50 in travel credits ( and not just airline credits ).
and an extra point for dining category too.
You lose the 4th night free and chase is dropping the price protection unfortunately, but everything else appears equal or in favor of the CSR.
and an extra point for dining category too.
You lose the 4th night free and chase is dropping the price protection unfortunately, but everything else appears equal or in favor of the CSR.
May 25, 2018, 11:29 am
#26
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
This is Citi's third attempt. I wouldn't rush to judge, the insurance/protection changes bring Prestige broadly to parity with Sapphire Reserve. These benefits exist to increase the retention rate. If they have not been accomplishing that objective, there's no reason for Citi to be better than Chase, similar will be good enough.
I would expect a feature refresh later this year, at which point we can make a better assessment.
I would expect a feature refresh later this year, at which point we can make a better assessment.
May 25, 2018, 12:57 pm
#27
Join Date: Nov 2015
Location: FL, USA
Programs: AA Plat, Hyatt Explorist, Hilton Diamond, IHG Plat, Marriot Gold
Posts: 1,666
Yeah but I would still have to apply, be approved and have another credit card. for $50 I won't bother plus transfer partners would be great but like i said I can't completely dump this account so will wait and see. But I will go home today and tell the other half that he shall now be referred to as my fiancee when we travel !! LOL
May 25, 2018, 1:39 pm
#28
Join Date: Jan 2016
Location: LAX/JFK/SFO
Programs: Amex Plat, Hyatt, IHG cards
Posts: 120
Rereading Chase's terms, entertainment tickets are not included...just travel tickets. YMMV, though.
Last edited by CarefulBuilder14; May 28, 2018 at 1:27 am
May 25, 2018, 2:03 pm
#29
Join Date: Jan 2016
Location: LAX/JFK/SFO
Programs: Amex Plat, Hyatt, IHG cards
Posts: 120
This is Citi's third attempt. I wouldn't rush to judge, the insurance/protection changes bring Prestige broadly to parity with Sapphire Reserve. These benefits exist to increase the retention rate. If they have not been accomplishing that objective, there's no reason for Citi to be better than Chase, similar will be good enough.
I would expect a feature refresh later this year, at which point we can make a better assessment.
I would expect a feature refresh later this year, at which point we can make a better assessment.
But it's been nearly two years. I can't imagine what they could possibly be working on that they haven't revealed yet.
May 25, 2018, 2:09 pm
#30
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
To be realistic, it should only take one attempt for a worldwide bank like Citi to get a premium product right... That is if common sense is used when bringing out the card.
Unlimited 4th night free, Admirals Club access, and three free rounds of golf anywhere in the world weren't the best ideas to put on a card. They should've focused more on quality U.S hotel/airline partners, capped the 4th night to 3x a year and once every three months, and maybe provided one free round of golf, and perhaps a pair of one day Admirals' club passes per year. In the long run, my benefits proposal would've saved them a ton of money, and most likely wouldn't have resulted in the nerf..
Unlimited 4th night free, Admirals Club access, and three free rounds of golf anywhere in the world weren't the best ideas to put on a card. They should've focused more on quality U.S hotel/airline partners, capped the 4th night to 3x a year and once every three months, and maybe provided one free round of golf, and perhaps a pair of one day Admirals' club passes per year. In the long run, my benefits proposal would've saved them a ton of money, and most likely wouldn't have resulted in the nerf..
Last edited by mikesyr18; May 26, 2018 at 9:06 pm