My "authorized user" was approached by Citi Card to add "credit protector," despite this not being allowed. My "authorized user" added this worthless service and informed me a couple of days later. I told my "authorized user" that this could not stand and to remove it yesterday. Credit protector would not allow my authorized user to remove the service because the "authorized user" was not the primary card holder. So I called when I noticed it on the bill, which was a couple of months later. They claimed they would take care of it.
A couple of weeks later, I got a letter stating it was "valid" and they would not remove the fees. I disputed it again, and this time I was going to cancel my account. They said they would take care of it, and again a couple of weeks later I got their smart letter stating they would not remove the fees. I canceled my account with them today and would never go back.
I will NOT pay the monies they are requesting for credit protection fees, and I will deduct it from the overall balance when I reach the end of my paying-off period. Period. We will see how strong their "Authorized to add, but not delete" theory holds up in court.
Point: Citi Card was easy to do business with for a couple of years. Something has changed, and I would highly advise against dealing with them in the future.
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