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This Free Pet Food Rebate Turns the Table on Retailers

Shoppers often complain that mail-in rebates are a pain in the neck. You have to send in the proof of purchase, pay for postage, and keep your fingers crossed that you will actually get your money back.

Now one pet food manufacturer, Pets Global, is doing it differently. The company issued a unique manufacturer’s coupon/rebate good for a free four-pound bag of Essence dog or cat food worth up to $17.99. But instead of making the consumer buy the product and send in the proof of purchase, they are making the store do it.

Essence pet food rebate
Click to enlarge

This looks pretty normal. While it appears the consumer has to fill out the coupon, one of our faithful readers says it really is the retailer’s contact information that is required according to the company. The fine print turns the tables on the retailer who sold the product converting the coupon into a rebate of sorts.

*MOUSE PRINT:

Retailer Instructions: 1. Return this completed form. 2. The original proof of purchase receipt dated on or before 7/31/19 with the purchase price of the product circled. … Must be sent to a Pets Global distributor within 60 days of date printed on receipt for redemption.

Distributor Instructions: Send completed coupon form and receipt from retailer to Pets Global…

Some would say all rebates should work this way… but don’t hold your breath since manufacturers rely on the “breakage” and “slippage” that results when shoppers don’t follow through with the rebate process. But some states and municipalities have adopted rules that require retailers to provide the rebate to customers at the time of sale. Witness the fine print for the 100% rebates for several items in this week’s Macy’s Black Friday in July sale featured in Consumer World (see Bargain of the Week):

*MOUSE PRINT:

In “CT, RI, PR, and Dade and Broward counties in FL, rebate is given at the register.”

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Citi Double Cash Card to Drop Almost All Benefits

Citi Double Cash CardCiti had bad news for credit card holders last week. If you have the popular Citi Double Cash Card that pays two percent cash back on all purchases, the bank announced it was dropping most benefits that come with the card.

If you happen to go to look at your account online and click “benefits,” the following fine print popup appears:

MOUSE PRINT:

The following is a summary of changes that are being made to your card benefits.

Effective September 22, 2019, Worldwide Car Rental Insurance, Trip Cancellation & Interruption Protection, Worldwide Travel Accident Insurance, Citi® Price Rewind, 90 Day Return Protection, Damage & Theft Purchase Protection, and Extended Warranty 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.

We are making these changes so that we can continue providing the key benefits that our customers use and value most at no additional cost. This change requires no action on your part. See FAQs under Card Benefits for answers to Frequently Asked Questions regarding these changes.

As a cardmember, you will continue to receive a range of other card benefits including FICO® Credit Score, Citi® Identity Theft Solutions, and Citi Entertainment.

So, starting September 22, even the most basic of benefits that almost any card offers like collision damage waiver when you rent a car and protection for purchases damaged or stolen within 90 days of purchase are being discontinued. And then the great benefits they offered like adding two extra years of coverage to any length manufacturers warranty, giving back the difference if an item goes on sale after you buy it (“Price Rewind”), and giving you a full refund on an otherwise unreturnable purchase within 90 days are all disappearing too.

The bank says that too few people took advantage of these benefits compared to their costs of providing them. However, by Citi’s own calculation, the Price Rewind benefit was enjoyed by close to 700,000 cardholders last year, and returned over $17-million to them.

Citi Price Rewind

According to MarketWatch, here is a full list of benefits being discontinued on some or all Citi cards including the Citi Prestige Card, the Citi Premier Card, the Citi Double Cash Card, and Citi’s co-branded cards with American Airlines:

•Worldwide Car Rental Insurance
•Trip Cancellation & Interruption Protection
•Worldwide Travel Accident Insurance
•Trip Delay Protection
•Baggage Delay Protection
•Lost Baggage Protection
•Roadside Assistance Dispatch Service
•Travel & Emergency Assistance
•Damage & Theft Purchase Protection
•Extended Warranty
•Medical Evacuation
•Missed Event Ticket Protection
•Citi Price Rewind
• 90 Day Return Protection

UPDATE: The Costco Visa card is also affected according to Clark.com and Citi. At a minimum, trip cancellation coverage and Price Rewind are being discontinued on that card.

There is no obvious go-to substitute for the Citi Double Cash card. Fidelity Investments has a 2-percent cash back card, but the money has to go into a free Fidelity account and only gets deposited after you spend $2,500. It does have traditional Visa benefits but not the price guarantee or return protection.

This article lists cards that still offer the price protection benefit (but in many cases the benefit is set to be eliminated). Feel free to suggest other alternative credit cards in the comments that are rich in benefits and cash back.

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This Advertised $9.99 Oil Change Actually Costs 70% More

MrConsumer loves a bargain and to find an offer for a $9.99 oil change these days is unheard of. But that’s what Monro, an East coast auto service chain, advertised. They also run nine other auto service chains in the Eastern half of the country and in California. They are Mr. Tire, Tread Quarters, Ken Towery’s, TireChoice, AutoTire, Tire Warehouse, Tire Barn, TiresNow, and CarX.

Monro $9.99 oil changeEnlarged for better readability

*MOUSE PRINT:

That unreadable fine print says there is an additional charge (where permitted) of $2.90 for an oil “filter and/or waste recycling fee and a 9.99% service charge which represent shop supply and equipment costs and profits.”

So already, the $9.99 price is out the window. The $2.90 waste disposal fee is not required by the state, and retailers are required to take back up to two gallons of used oil sold by them per day per person at no charge. A service shop like Monro is not considered a “retailer” according to the state. And then there is that 9.99% shop fee.

But is it really only 9.99% for this oil change?

*MOUSE PRINT:

Here is a condensed version of an estimate from a Monro location using the above $9.99 coupon:

monro estimate

In this case, the 9.99% shop fee charge totals $3.29! Where did that come from? Shouldn’t it be about a dollar on a $9.99 oil change? What Monro does is charge the customer 9.99% on the regular price of the oil change. In this case, that is $25 plus $4.99 for the oil filter plus the $2.90 disposal fee, totaling $32.89. Ten percent of that is $3.29. This is similar to a misguided retailer trying to charge sales tax on the regular price of an item rather than on the discounted price when it is on sale.

We contacted Monro’s chief marketing officer trying to determine if this was a computer programming error or a deliberate and misleading way to calculate the 9.99% shop fee. Her response sidestepped the question:

“We disclose the inclusion of a disposal fee and a service charge fee based on the retail price in all marketing materials.”

We also questioned whether the sales tax was being calculated correctly by basing it on not only the oil change, but also on the environmental/disposal fee and the shop fee. The company expressed confidence in its calculation. However, Massachusetts law only provides for assessment of the 6.25 percent sales tax on tangible goods, and therefore not on services, shop and recycling fees, and service plans, particularly when they are itemized separately on the bill. While Monro did only charge tax on the net price of the oil change excluding the $2 labor charge, they did tax the recycling fee and the inflated shop fee.

It is misleading to customers to advertise what looks like a complete price when in fact the company has additional required fees in order to purchase the advertised service, particularly when clear disclosure of those charges is not made.

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