My Citibank credit card includes a " benefit '' called Trip Cancellation and Interruption Protection. It advertises that " if certain unforeseen events get in the way of your trip, '' cardmembers may be reimbursed for change fees, lodging, and meal expenses related to trip cancellation and interruption. My flights were cancelled for 2 days, and 3 different " benefits advisors '' at Citi 's service said I would be covered for hotel and meals while I waited for my next flight. They said that I could not file a claim or document my issue until after I spent the money on the expenses. After I spent the money, Citi later said that I was not actually covered, because trip " cancellation '' means that you have to cease all travel, and " interruption '' means you had to begin travel and then cut your trip short. Citi would not take responsibility for 3 separate benefits advisors giving me the wrong information ( that I would be covered ). Further, the benefits documents and fine print contain no definition of " cancellation '' or " interruption. '' Rather, the text is incredibly misleading, because it says " change fees '' are covered, and that you are covered if " You ca n't travel because severe weather, a natural disaster, or a labor dispute causes all travel to or from your destination to stop for at least 24 hours. '' By advertising to customers that the card contains benefits that are not truly in place, Citi is misleading people into using their card and spending money that will not be covered. 
