Citi DC, new Terms To Exclude Gift Cards From Earning Points

[Anonymous]

https://www.doctorofcredit.com/citi-double-adds-terms-to-exclude-gift-cards-from-earning-points/ Again, not sure if and how they will enforce, but ToS is updated.

Citi seems to be trying to push people away from DC? reduced benefits, tightening reward earning. What is the deal? lol

[Shadowfactor]

I don’t see citi enforcing this, they are one of the most relaxed banks about policing MS.

Many of the members I know that are very heavy in the MS community have never spent an organic dime on their citi cards but have upwards of 100K a year spend.

For the time being this seems more like a legal cover their behinds change

[redpat]

If I read this correctly they were talking about reloadable gift cards or cash equivalents.

No mention of regular gift cards.

[Noctilum]

It probably won't be enforced right away, but it can be enforced by receiving Level 3 data from the business. Not all of them are doing it yet but since it is supposed to reduce swipe fees for the business I am sure more will adopt it. It will provide line item details of everything purchased, so if you buy a ton of groceries but also throw a random gift card in the transaction like so many of us do, then they will be able to extract that portion of the transaction so you do not get the bonus on that particular item.

[MakingProgress]

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@Anonymous wrote:

https://www.doctorofcredit.com/citi-double-adds-terms-to-exclude-gift-cards-from-earning-points/ Again, not sure if and how they will enforce, but ToS is updated.

Citi seems to be trying to push people away from DC? reduced benefits, tightening reward earning. What is the deal? lol

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I belive they reduced benefits accross the board not just the DC.

[Anonymous]

They definitely aren't trying to push people away, because they keep hounding me to convert my DP to the DC. I've even gotten a couple FINAL offers. 

[wasCB14]

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@MakingProgress wrote:

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@Anonymous wrote:

https://www.doctorofcredit.com/citi-double-adds-terms-to-exclude-gift-cards-from-earning-points/ Again, not sure if and how they will enforce, but ToS is updated.

Citi seems to be trying to push people away from DC? reduced benefits, tightening reward earning. What is the deal? lol

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I belive they reduced benefits accross the board not just the DC.

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All Citi cards are getting nerfed, but to varying degrees. As one example, Costco will keep the extended warranty feature while DC will lose it. But all Citi cards will be losing Price Rewind.

[vic6string]

Just following in Amex's footsteps. I have a feeling that by next year most banks will have something like this in their TOS. The churners abused the system and we will all end up paying for it. 

[vic6string]

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@redpat wrote:

If I read this correctly they were talking about reloadable gift cards or cash equivalents.

No mention of regular gift cards.

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It states "...load or reloads of balances on gift cards..." Technically, the gift card on the rack is just a chunk of plastic. When you buy it you are buying the "load" of credit on to it. So this wording does in fact include all gift cards; reloadable or otherwise.

[longtimelurker]

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@Shadowfactor wrote:
I don’t see citi enforcing this, they are one of the most relaxed banks about policing MS.

Many of the members I know that are very heavy in the MS community have never spent an organic dime on their citi cards but have upwards of 100K a year spend.

For the time being this seems more like a legal cover their behinds change

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Depends!   They were very aggressive in shutting down MS on the 5x TYP when that took off (should never have had that reward structure in the first place, but.....)   But yes, 2x on DC doesn't seem to be an issue for them