Citibank 今早开始在网银中通过弹窗的方式告知持卡人，从9月22日起，Citi 信用卡的一些附加福利将不再提供。大家可以登陆 Citi 网银，然后前往 Rewards & Benefit → Card Benefit 页面查看变化。
比如以下是登录后 Citi Prestige 显示的信息：
Effective September 22, 2019, Worldwide Car Rental Insurance, Trip Cancellation & Interruption Protection, Worldwide Travel Accident Insurance, Trip Delay Protection, Baggage Delay Protection, Lost Baggage Protection, Medical Evacuation, Citi® Price Rewind, 90 Day Return Protection, and Missed Event Ticket Protection will be discontinued and will no longer be provided for purchases made on or after that date. Coverage for purchases made before that date will continue to be available, and you may continue to file for benefits in accordance with the current benefit terms. Roadside Assistance Dispatch Service and Travel & Emergency Assistance will be discontinued and will not be available on or after September 22, 2019.
You will continue to have Extended Warranty and Damage & Theft Purchase Protection on this account…As a cardmember, you will also continue to receive a range of other card benefits including FICO®Credit Score, Citi® Identity Theft Solutions, and Citi Entertainment.
这些受影响的福利中，包含平常我们大家很看重的一些附加福利：
- Price Rewind
- Worldwide Car Rental Insurance
- Trip Cancellation & Interruption Protection
- Trip Delay Protection
- 90 Day Return Protection
- Roadside Assistance Dispatch Service
- Extended Warranty
- Damage & Theft Protection
这些都是大家觉得比较有用，并且平时大家认同的 Citi 还算给力的信用卡福利类别，尤其是 Price Rewind 和 Trip 相关福利。除此之外，一些比较小众的福利也一并被取消：
- Travel & Emergency Assistance
- Worldwide Travel Accident Insurance
- Baggage Delay Protection
- Lost Baggage Protection
- Medical Evacuation
- Missed Event Ticket Protection
基本上 Citi 所有的信用卡的类似福利从9月22日期都会被砍。只是有的卡基本砍光了，有的还能剩一些。其中 Price Rewind, Return Protection, Trip Cancellation & Interruption Protection, Worldwide Car Rental Insurance, Worldwide Travel Accident Insurance 这几个福利看起来所有卡都砍掉了。Extended Warranty 以及 Damage & Theft Protection 虽然其他卡保留，但 Dividend 和 Double Cash 这两张卡居然把这个福利砍了（虽然这两张卡还保留了一些其他福利）。
一般来说这些福利都是信用卡公司外包给第三方保险公司的，发生如此大规模砍福利的变动，基本上可以确认就是和第三方合约结束了吧。很有可能是第三方在承保过程中损失太大，然后 Citi 不愿意用更多钱来续约。
Citi Prestige 信用卡今年本来就大幅调整了福利，比如增加了吃饭 5x，但同时限制了以前最受欢迎的酒店住三送一福利以及将年费提高到 $495。其实在这次调整后，很多人已经觉得 Prestige 的竞争力大不如前，现在还要损失这么多福利，如果 Citi 没有其他动作，基本可以预见此卡的持卡人数将会受到很大影响。