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[The Take Out Bandit]

I'm just curious if anybody has used or not used this service.

I'm paranoid by nature, so I got roped into signing up for it a few years ago; and now that I'm trying to consolidate debt (CC being your only safety net during bouts of unemployment is a sure fire way to assfuck yourself) - and seeing as how they're now advertising a similar service (Citi® Identity Theft Solutions)for free, that $420 a year I'm throwing at this "service" is starting to look less appealing. I'd rather have that additional money being ticked off of my overall debt.

Input please.

Thanks.

 

[Phoenix]

Not a fan of it myself - I'd recommend it only to people who think they are at risk of losing their job (and I'd say sign up for it at that point).

 

[shoplifter]

^^^ what he said. That's $420 that you could have paid on the balance.

 

[goodcow]

Not sure about Citicard, but my Amazon VISA with Chase has some Payment Protector program.

It's 89 cents per $100 of your monthly balance. Since I pay in full a day or two before my statement, I always pay nothing, or if some minor charges slip through between that payment date and statement day, under $1.

So for me, yeah, I think it's worth it.

If I had a monthly balance of like $500 or more though every month, then no, I wouldn't have it unless, like Pheonix said, I thought I was at risk of losing my job or something.