Benefit Changes for WMC and WEMC

[Anonymous]

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@fuzzle wrote:

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@Anonymous wrote:

If the extended warranty and price protection loss spirals out to all MasterCards, it’s going to take away the two benefits that PayPal Cashback has. 

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PayPal Cashback is indeed losing those benefits in July

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Figured as much. 

Well on the bright side, I now have a reason to get the Citi DC. 

[wasCB14]

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@Anonymous wrote:

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@fuzzle wrote:

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@Anonymous wrote:

If the extended warranty and price protection loss spirals out to all MasterCards, it’s going to take away the two benefits that PayPal Cashback has. 

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PayPal Cashback is indeed losing those benefits in July

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Figured as much. 

Well on the bright side, I now have a reason to get the Citi DC. 

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Rewards+ has no AF and a 15k TY points, $1k spend, 3 months offer. You could get a nice bonus with a modest spend requirement, then PC after a year to DC for its better long-term earn rate.

*I think there have been some offers for DC with a bonus, but I think they are targeted and uncommon.

**I went from Prestige to DC 11 months ago, so I doubt you'd encounter any difficulty going from a different member of the TY family to DC. Practices can change, though.

[Anonymous]

Aren’t Thank You Points similar to other points cards where cash is devalued greatly? I just don’t travel at all, I can’t even go to the store, so I avoid travel cards for that reason. 

[kdm31091]

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@Anonymous wrote:

Aren’t Thank You Points similar to other points cards where cash is devalued greatly? I just don’t travel at all, I can’t even go to the store, so I avoid travel cards for that reason. 

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Correct, cash is a poor value with Thankyou points. You can redeem for gift cards at 1cpp or travel, otherwise you're looking at <1cpp.

[wasCB14]

My understanding is that you'd only spend about $5k on the card in the first year. If that's the case, then the bonus is a big part of your total first year rewards.

$150 face value of gift cards may only be worth $100 or $125 to you, but it beats $0 of cash!

[Anonymous]

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@wasCB14 wrote:
My understanding is that you'd only spend about $5k on the card in the first year. If that's the case, then the bonus is a big part of your total first year rewards.

$150 face value of gift cards may only be worth $100 or $125 to you, but it beats $0 of cash!

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Yes that is true. I actually don’t mind gift cards as long as they’re 1cpp value so it may be something to look into. It’s gonna be awhile since apparently Citi likes you to have 0 inquiries in 6 months when you have a BK on record which means November (last app was US Bank on 4/29) and everyone here knows I am not that great of a gardener so yeah, time will tell haha. 

[FireMedic1]

Guess I've been lucky with electronics and such that I never had to use extended warranties and such.(Knock on wood) The cell phone coverage will be nice at $800. Guess Verizon will be paid with the ole QS now in July. Thanks for the heads up!

[wasCB14]

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@FireMedic1 wrote:

Guess I've been lucky with electronics and such that I never had to use extended warranties and such.(Knock on wood) The cell phone coverage will be nice at $800. Guess Verizon will be paid with the ole QS now in July. Thanks for the heads up!

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https://www.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=cel

Check that link first. My Aviator Red was eligible, but Savor and DC were not.

[CreditCuriosity]

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@wasCB14 wrote:

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@FireMedic1 wrote:

Guess I've been lucky with electronics and such that I never had to use extended warranties and such.(Knock on wood) The cell phone coverage will be nice at $800. Guess Verizon will be paid with the ole QS now in July. Thanks for the heads up!

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https://www.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=cel

Check that link first. My Aviator Red was eligible, but Savor and DC were not.

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Just curious how you check if card is eligible start a claim and it will say yes/no?

[wasCB14]

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@CreditCuriosity wrote:

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@wasCB14 wrote:

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@FireMedic1 wrote:

Guess I've been lucky with electronics and such that I never had to use extended warranties and such.(Knock on wood) The cell phone coverage will be nice at $800. Guess Verizon will be paid with the ole QS now in July. Thanks for the heads up!

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https://www.mycardbenefits.com/Home/AboutCellPhoneProtection?cd=en&prog=cel

Check that link first. My Aviator Red was eligible, but Savor and DC were not.

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Just curious how you check if card is eligible start a claim and it will say yes/no?

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Start a claim.

If eligible, it will move to the next screen in the online claims process.

If (apparently) ineligible, it will tell you to call them and the online claims process will not proceed.