Credit Protector is an optional program that can help you conserve your finances and protect your AT&T Universal Card. Credit Protector will help you:
• Cancel your Account Balance – up to $10,000, if you should die or suffer a long term disability
• Defer payment and interest for up to 2 years – if you should lose your job, become disabled or hospitalized after you enroll
• Cancel 2 minimum monthly payments (excluding past due and over limit/over line amounts) for certain life events such as a move, marriage, or having a baby
Plus, for a limited time, you’ll receive a $100 Gas Cash-Back Certificate just for trying this optional program! Simply enroll in Credit Protector by 12/31/06. You can cancel Credit Protector at any time and the certificate is yours to keep.1
Free for the first 30 days. After that, the cost for Credit Protector is only 85¢ per $100 of the New Balance shown on your billing statement.
I have a hunch that the $100 gas money will be paid in 4 intallments. So you got to stick with the program for at least 12 months to get the full $100. It may take longer than that considering that you need to send in the rebate claim form.
(1) One Cash-Back Certificate per cardmember. The Certificate will be mailed along with the membership materials.
That's kind of how they worded their "$50 Gift Card" offer. That proved to be 5 $10 rebate coupons to be submitted one after the other for 5 $10 gift cards over a 5 month period during which you had to remain enrolled. They must take us for real dolts.
OTOH, when they were the dolts, they'd keep sending $15 enrollment bonus checks (read "gifts") for the cashing - very sweet.
They did have a real-money, one-time $40 rebate offer a while back - bagging it was like pulling teeth.
Credit Protector is an optional program that can help you conserve your finances and protect your AT&T Universal Card. Credit Protector will help you:
• Cancel your Account Balance – up to $10,000, if you should die or suffer a long term disability
• Defer payment and interest for up to 2 years – if you should lose your job, become disabled or hospitalized after you enroll
• Cancel 2 minimum monthly payments (excluding past due and over limit/over line amounts) for certain life events such as a move, marriage, or having a baby
Plus, for a limited time, you’ll receive a $100 Gas Cash-Back Certificate just for trying this optional program! Simply enroll in Credit Protector by 12/31/06. You can cancel Credit Protector at any time and the certificate is yours to keep.1
Free for the first 30 days. After that, the cost for Credit Protector is only 85¢ per $100 of the New Balance shown on your billing statement.
As I've said in other posts, Triligent has paid out my gas rebates even after I was no longer a member.
I'm sure its 5 $20 certs or 4 $25 certs - so don't get your heart set on the $100, but you will likely get your money eventually if you stick to what the certs say (mail them in once every 3 months with a correctly dated reciept).
The standard website is only offering $20, do you have a link for the $100 offer?
Question: What does 'One Cash-Back Certificate per cardmember' mean? Is it one per cardmember per card? I have two citi cards can I get two $100 vouchers if I enroll both cards?
It looks like this offer is for the Diamond Preferred Rewards card. This is the only card (of four my Citi cards overall), wghich shows this special offer. Go to Manage My Account - Special Offers. I also got e-mail about that.
The only thing, which differs this account from three others is that it does not have any transactions for about a year except of $5 Paperless credit
https://www.citibank.com/us/cards/svc/cbna/content/jump-page/101506/cp-gas.htm is a shortened link, which appears if I push to this banner. The link has continuation, part of which looks like may include personal informaiton - so, I left it out:
Formally, it does not have requirement of any kind of credit card and if you have Citi card with $0 balance, you have nothing to lose if you try. Print the page.
Plus, for a limited time, you’ll receive a $100 Gas Cash-Back Certificate just for trying this optional program! Simply enroll in Credit Protector by 12/31/06. You can cancel Credit Protector at any time and the rebate coupon is yours to keep. 1
1. One Cash-Back Certificate per cardmember. The Certificate will be mailed along with the membership materials.
yuri375 said:Question: What does 'One Cash-Back Certificate per cardmember' mean? Is it one per cardmember per card? I have two citi cards can I get two $100 vouchers if I enroll both cards? I doubt. If it is processed by the same company as all other Citi rebates then 100% no. Anyway, only practice will show.
But it is different from the others - one per cardmember, not household. So, it should be fine for other family member as a primary cardholder.
Just got my $40 check for applying for credit protector.
When I called to cancel my membership, I was offered the 5 $10 rebate coupons today. Maybe I will cancel my membership after receiving the 5 coupons and then apply again online for the $100 certificate.
dudetheobscure said:domin8r said:From the same email:
(1) One Cash-Back Certificate per cardmember. The Certificate will be mailed along with the membership materials.
That's kind of how they worded their "$50 Gift Card" offer. That proved to be 5 $10 rebate coupons to be submitted one after the other for 5 $10 gift cards over a 5 month period during which you had to remain enrolled. They must take us for real dolts.
OTOH, when they were the dolts, they'd keep sending $15 enrollment bonus checks (read "gifts") for the cashing - very sweet.
They did have a real-money, one-time $40 rebate offer a while back - bagging it was like pulling teeth.
On our 6 citi cards, there's one offer (on the Diamond Pref card we use regularly) for a free DVD player for getting Credit Protector. The other 5 cards have no special offers.
A credit protector offer is good on a Dividend card (if one can find one) that you are not planning to use since they dropped the 5% reward on groceries etc.
While generally bad deals, if you have a card with protection and do have a layoff, it does appear you may be able to run up some bills and then get a deferal on the payments for a few months till you get a job. Since they freeze your card once you try to collect, you would need to run up the balanced owed before requesting the benefits (possibly via a blance transfer, large gift card purchase, or prolonged etc) and yet not pay for the protector for more than perhaps one month. This obviously calls for having several cards and keeping zero balance on the one with the credit protector while using the others. then when they freeze your card as you request the layoff benefit you have other cards to use (those unemployed usually need credit).
A few with planned babies, marriages,moves, etc. may be able to get a small benefit from having credit protector when these occur, but given all the other things that happen with marriages, babies, moves, layoffs etc. it is labor intenisve (when a new baby, job hunting, a house move, are keeping you very busy) to do the work required to actually collect the small beneifts you are entitled to.
In a few cases where death is forseen soon, the life insurance could be valuable if you carefully plan (or someone elese is an authorized user and can do the spending as you go downhill). Of course, most authorized users are spouses whose typical reaction to learning their spouse is dying is not "how do I take advantage of his Credit Protector benefits on an almost forgotten card sitting in a drawer?."
ProfessorEd said: In a few cases where death is forseen soon, the life insurance could be valuable if you carefully plan (or someone elese is an authorized user and can do the spending as you go downhill). Of course, most authorized users are spouses whose typical reaction to learning their spouse is dying is not "how do I take advantage of his Credit Protector benefits on an almost forgotten card sitting in a drawer?."
I think most FWF-ers can totally see themselves doing just that .
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