Important Information about your Account Terms: REI card

[Anonymous]

Just got mail for my REI card with the above title.  Most of the document is about Your Billing Rights, which looks pretty standard and not sure if anything has really changed.   Then, right near the bottom of page 2:  

The Revised Language that will apply to your Cardmember Agreement appears below.

And this is that cellphone benefit will go was 1/1/22 "due to changes to Mastercard insurance benefits program, Policy XXX provided by New Hampshire Insurance Company.

I think that is the one referenced by by new Max Cash, so lets see if there is another round of dropping this almost everywhere!

[cws-21]

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@Anonymous wrote:

Just got mail for my REI card with the above title.  Most of the document is about Your Billing Rights, which looks pretty standard and not sure if anything has really changed.   Then, right near the bottom of page 2:  

The Revised Language that will apply to your Cardmember Agreement appears below.

And this is that cellphone benefit will go was 1/1/22 "due to changes to Mastercard insurance benefits program, Policy XXX provided by New Hampshire Insurance Company.

I think that is the one referenced by by new Max Cash, so lets see if there is another round of dropping this almost everywhere!

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Thanks for this post, @Anonymous. So, your speculation is that the Elan Max Cash Rewards, and other cards that offer cellphone protection via Mastercard, may no longer do so by the beginning of next year?

[JNA1]

That sounds about right! 🙈 This has turned into a suck year for credit cards for us! 

[Anonymous]

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@cws-21 wrote:

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@Anonymous wrote:

Just got mail for my REI card with the above title.  Most of the document is about Your Billing Rights, which looks pretty standard and not sure if anything has really changed.   Then, right near the bottom of page 2:  

The Revised Language that will apply to your Cardmember Agreement appears below.

And this is that cellphone benefit will go was 1/1/22 "due to changes to Mastercard insurance benefits program, Policy XXX provided by New Hampshire Insurance Company.

I think that is the one referenced by by new Max Cash, so lets see if there is another round of dropping this almost everywhere!

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Thanks for this post, @Anonymous. So, your speculation is that the Elan Max Cash Rewards, and other cards that offer cellphone protection via Mastercard, may no longer do so by the beginning of next year?

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Speculation might be a bit strong, more "concern that is is possible"!  Various credit cards have been dropping some Mastercard benefits for a long time, so this could just be another issuer joining in.   It's just the claim that there have been "changes" in the underlying program which might make other issuers make a similar decision.   But early days!

[cws-21]

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@Anonymous wrote:

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Speculation might be a bit strong, more "concern that is is possible"!  Various credit cards have been dropping some Mastercard benefits for a long time, so this could just be another issuer joining in.   It's just the claim that there have been "changes" in the underlying program which might make other issuers make a similar decision.   But early days!

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@Anonymous, it does read like it is a change with Mastercard rather than REI, which, I agree, is concerning. Half the reason I am seriously considering the Elan Max Cash Mastercard is for the the 5% off one's cellphone service bill AND cellphone protection. Maybe I am better off keeping my cellphone bill on my Propel until that card is entirely nerfed or loses cellphone protection itself.

[Anonymous]

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@cws-21 wrote:

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@Anonymous wrote:

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Speculation might be a bit strong, more "concern that is is possible"!  Various credit cards have been dropping some Mastercard benefits for a long time, so this could just be another issuer joining in.   It's just the claim that there have been "changes" in the underlying program which might make other issuers make a similar decision.   But early days!

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@Anonymous, it does read like it is a change with Mastercard rather than REI, which, I agree, is concerning. Half the reason I am seriously considering the Elan Max Cash Mastercard is for the the 5% off one's cellphone service bill AND cellphone protection. Maybe I am better off keeping my cellphone bill on my Propel until that card is entirely nerfed or loses cellphone protection itself.

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If MaxCash does the same nerf (1/1/22) I am sure you will hear about here soon!  If not, it will survive there longer, but of course it can be gone at short notice.   Probably best to buy cheap flip phones from now on!

[cws-21]

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@Anonymous wrote:

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If MaxCash does the same nerf (1/1/22) I am sure you will hear about here soon!  If not, it will survive there longer, but of course it can be gone at short notice.   Probably best to buy cheap flip phones from now on!

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@Anonymous, I laughed out loud about your flip phone comment! 

[FinStar]

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@Anonymous wrote:

Just got mail for my REI card with the above title.  Most of the document is about Your Billing Rights, which looks pretty standard and not sure if anything has really changed.   Then, right near the bottom of page 2:  

The Revised Language that will apply to your Cardmember Agreement appears below.

And this is that cellphone benefit will go was 1/1/22 "due to changes to Mastercard insurance benefits program, Policy XXX provided by New Hampshire Insurance Company.

I think that is the one referenced by by new Max Cash, so lets see if there is another round of dropping this almost everywhere!

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I received similar snail mail notifications on the US Bank Business Cash WEMC and Kroger WMC.  I'm sure my other USB MC's will get similar notices.

"Effective 1/1/22 at 12:00 am (EDT), Cellular Wireless Telephone Protection will be cancelled due to changes to Mastercard insurance benefits program. Benefit (Policy No. 841615538) provided by New Hampshire Insurance Company, an AIG company. If eligible claim made prior to the date of cancellation, benefits will be provided pursuant to terms in effect at time of coverage. Benefit changes reflect your card product as of June 30, 2021, and may not apply if your card product has recently changed. Please call the number on the back of your card if you have any questions."

[Taurus22]

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@FinStar wrote:

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@Anonymous wrote:

Just got mail for my REI card with the above title.  Most of the document is about Your Billing Rights, which looks pretty standard and not sure if anything has really changed.   Then, right near the bottom of page 2:  

The Revised Language that will apply to your Cardmember Agreement appears below.

And this is that cellphone benefit will go was 1/1/22 "due to changes to Mastercard insurance benefits program, Policy XXX provided by New Hampshire Insurance Company.

I think that is the one referenced by by new Max Cash, so lets see if there is another round of dropping this almost everywhere!

---

I received similar snail mail notifications on the US Bank Business Cash WEMC and Kroger WMC.  I'm sure my other USB MC's will get similar notices.

"Effective 1/1/22 at 12:00 am (EDT), Cellular Wireless Telephone Protection will be cancelled due to changes to Mastercard insurance benefits program. Benefit (Policy No. 841615538) provided by New Hampshire Insurance Company, an AIG company. If eligible claim made prior to the date of cancellation, benefits will be provided pursuant to terms in effect at time of coverage. Benefit changes reflect your card product as of June 30, 2021, and may not apply if your card product has recently changed. Please call the number on the back of your card if you have any questions."

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Has anyone that has received these messages called to get anymore information?  The trend is starting to look like Mastercard is going to dump this coverage systemwide altogether. If that's the case, it makes the entire subject of the Elan MCP Visa vs MC a moot point. So it would seem those with the Chase Freedom Flex and Wells Fargo Propel may be getting similar notices soon......worth keeping an eye on.

[cws-21]

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@Taurus22 wrote:

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@FinStar wrote:

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@Anonymous wrote:

Just got mail for my REI card with the above title.  Most of the document is about Your Billing Rights, which looks pretty standard and not sure if anything has really changed.   Then, right near the bottom of page 2:  

The Revised Language that will apply to your Cardmember Agreement appears below.

And this is that cellphone benefit will go was 1/1/22 "due to changes to Mastercard insurance benefits program, Policy XXX provided by New Hampshire Insurance Company.

I think that is the one referenced by by new Max Cash, so lets see if there is another round of dropping this almost everywhere!

---

I received similar snail mail notifications on the US Bank Business Cash WEMC and Kroger WMC.  I'm sure my other USB MC's will get similar notices.

"Effective 1/1/22 at 12:00 am (EDT), Cellular Wireless Telephone Protection will be cancelled due to changes to Mastercard insurance benefits program. Benefit (Policy No. 841615538) provided by New Hampshire Insurance Company, an AIG company. If eligible claim made prior to the date of cancellation, benefits will be provided pursuant to terms in effect at time of coverage. Benefit changes reflect your card product as of June 30, 2021, and may not apply if your card product has recently changed. Please call the number on the back of your card if you have any questions."

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Has anyone that has received these messages called to get anymore information?  The trend is starting to look like Mastercard is going to dump this coverage systemwide altogether. If that's the case, it makes the entire subject of the Elan MCP Visa vs MC a moot point. So it would seem those with the Chase Freedom Flex and Wells Fargo Propel may be getting similar notices soon......worth keeping an eye on.

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@Taurus22, why do you think Chase FF and WF Propel will send out similar notices given they run on Visa and AMEX networks, respectively?