Financial Planning: love it, hate it? It’s a necessity, and it is a way for you to stay in the driver’s seat and be in control no matter what life will deal you in the future.
Citi has put together an interesting package, the PaymentAid Plus that gives people financial relief during tough times in life.
Death, Disability and Income Loss Benefits
When faced with some of life’s biggest challenges, the last thing you and your family should have to worry about is your credit card account. PaymentAid Plus gives you help when you need it most.
- In the event of a job loss or short-term disability
Your account will be credited your minimum monthly payment (excluding past due amounts, over credit limit or credit line amounts and fees) for up to 12 months.
Note: You may continue charging purchases, but not cash advances, on your account while these benefits are activated. - In the event of long-term disability or death
Citi will cancel up to $10,000 of your New Balance.
Life and Family Benefits
Changes at home or in your health can have a big impact on your financial situation. PaymentAid Plus can help you with your expenses so you can focus on what’s important.
- If you get married or divorced, buy a home, move, welcome a child into your family or enter college for the first time
Citi will credit 1 minimum monthly payment to your account (excluding past due amounts, over credit limit or credit line amounts and fees) once a calendar year. - If you’re a victim of a national disaster
Citi will credit 6 minimum monthly payments to your account (excluding past due amounts, over credit limit or credit line amounts and fees). - If you need to take leave to care for an ill family member
Citi will credit up to 9 minimum monthly payments to your account (excluding past due amounts, over credit limit or credit line amounts and fees). - Receive up to a $500 credit
For a deductible paid on Auto, Homeowners or Renters insurance per calendar year.
What’s more, PaymentAid Plus helps support you in your time of need:
- Citi will credit 1 monthly minimum payment (excluding past due amounts, over credit limit or credit line amounts and fees) if you or any member of your household spends at least one night in a hospital.
- Citi will credit 1 monthly minimum payment (excluding past due amounts, over credit limit or credit line amounts and fees) if you or any member of your household receive medical treatment in the Emergency Room of a hospital.
Payment Credit Benefit
PaymentAid Plus also provides valuable extra benefits for you to use as needed.
Once a year, if you incur expenses of at least $25 (for education, medical, household, transportation or IRS taxes), PaymentAid Plus will allow you to credit one minimum monthly payment. Or, you can request a credit of one minimum monthly payment for one of three federal holidays-New Year’s Day, Memorial Day or Labor Day (The account credit does not include past due amounts, over credit limit or credit line amounts and fees).
Your membership also includes these valuable Add-on benefits:
Personal/Professional Resources through LifeWorks®
Starting a new career? Trying to get on track financially? LifeWorks can help.
You spend every day trying to make time for the things that are important to you—your work, your family, your personal life. With so much to balance, let LifeWorks help. Just call or go online to obtain the advice of trained consultants on a wide range of relevant issues, including:
- Budgeting and money management
- Planning for retirement
- Estate planning
- Furthering your education
- Parenting and child care
- Setting up a will or living will
- Updating your work skills/computer skills
- Getting assistance for older family members
Daily Credit Monitoring at the 3 National Credit Repositories & More
Identity theft can destroy the credit history you’ve spent years building.
It can happen when new accounts are opened in your name or your existing credit accounts are somehow taken over. Cases of identity theft can take months, sometimes years, to resolve. You can help protect yourself from identity theft through the daily monitoring of your credit files.
With PaymentAid Plus you have the automatic benefit of:
- Daily Monitoring of your credit files at the 3 national credit repositories
- E-mail Alerts to notify you of certain changes to your credit bureau files (So, be sure to provide your email address when you enroll)
- Dispute Resolution Assistance should you find changes to your credit files that you do not recognize.
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