3.7
22 reviews
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Airline Mileage Credit Cards
Citi - Platinum Select AAdvantage World MasterCard

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Citi - Platinum Select AAdvantage World MasterCard
 
3.7

(based on 22 reviews)

Ratings Distribution

  • 5 Stars

     

    (9)

  • 4 Stars

     

    (6)

  • 3 Stars

     

    (2)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (4)

77%

of respondents would recommend this to a friend.

Pros

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Cons

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Most Liked Positive Review

 

American Express or MasterCard? The Best Way to Earn Free Travel

Reward credit cards are very popular among consumers. It is a known fact that most American household have more than one credit card and because credit cards have become such an important part of...Read complete review

Reward credit cards are very popular among consumers. It is a known fact that most American household have more than one credit card and because credit cards have become such an important part of our lives, it makes sense that a larger and larger percentage of credit card users want something extra from their credit card issuer. In the past, the something "extra" was usually a cash back reward at year end. But today, credit cards offer all sorts of rewards, ranging from discounted hotel stays to free books and other merchandise.

I have used several different reward credit cards, but the type of reward card that has frequented my wallet the most is the airline frequent flyer credit card. These credit cards are issued by financial companies and they offer frequent flyer miles to the user each time the card is used. Every major airline offers one of these credit cards and I have had accounts with several of them. Two of the many airline credit cards I have done business with are the **Delta Skymiles American Express Card **and the **American Airlines Citibank Platinum Select AAdvantage World MasterCard.** Let's see how these two credit cards stack up:

**Basic Qualities of Each Credit Card:**

Some FAQ answers for Delta Skymiles American Express Card and the American Airlines Citibank MasterCard are exactly the same. Here is a list of benefits both cards offer:

*One frequent flyer mile rewarded for every dollar charged to the card.

*Double miles on purchases of airline tickets (for the respective airline only)

*Double miles on purchases of goods and services from affiliated businesses (like groceries, gas, etc).   

 

American Airlines is affiliated with Citigroup and its card offers the following:

*15.99 percent interest rate

*20.99 percent interest rate on cash advances

*29.99 percent interest rate on default (this takes effect when a payment is not received on time)

*Late fee of $15 to $39

*No Annual Fee (for the first year, $85 after that)

*20,000 bonus miles if $750 is charged on the card within the first four months; 10,000 more bonus miles if $10,000 is charged on the card in the first year; another 10,000 bonus miles if $10,000 is charged the second year. 

 

Delta Airlines is Affiliated with American Express and it offers the following:

*17.24 percent interest rate

*14.99 PLUS PRIME percent interest on cash advances

*21.99 PLUS PRIME percent interest on default (this takes effect when a payment is not received on time)

*Late Fee of $19 to $38

*Annual Fee of $80

*One complementary companion ticket each year when you renew the card.

*20,000 bonus miles when you make your first purchase

(Please note that the above terms, conditions, and benefits are the ones presently offered and they can change at any time)

**Credit Card Comparison Commentary:**

I have used both the Delta Skymiles American Express Card and the Citibank American Airlines Mastercard and there are certain qualities about these two cards that are not necessarily reflected in the facts and figures listed above and that serve to distinguish one from the other. But first, let's look at the facts. American Airlines MasterCard gets the nod for having a lower interest rate, slightly lower late fees, and extra bonus miles for making large amounts of purchases. Delta's American Express Card has the advantage of offering a free companion ticket every year if you renew the card. This offer is a very good one and is worth the equivalent of 25,000 frequent flyer bonus miles (the number of miles needed to earn a free domestic flight).

Aside from the facts stated above, there are some other noteworthy differences that I have noticed during my tenure as a card holder for each of these two credit cards. One difference I noticed right away is the fact that the Delta Skymiles American Express offers little or no cash advance option. With the Citibank American Airlines MasterCard, you can get cash equal to an amount very close to your credit limit. With Delta Skymiles American Express, the cash advance limit is so low (about one- tenth or less of the credit limit), it is almost silly to even offer one. 

Citibank American Airlines Mastercard is good for offering special incentives to get members to keep the credit card and this is the primary reason I held this credit card for such a long period of time. Even though a companion certificate is not part of the stated agreement (like it is with the Delta Skymiles American Express), American Airlines and Citibank will often give in and make this type of offer, especially if a member has called and requested to cancel the account. Delta Skymiles American Express card doesn't make any such offer. I guess they assume that the companion certificate offered each year when you renew is good enough.

One other difference between these two cards is the customer service. With the Delta Skymiles American Express, customer service reps are always ready to help and they make you feel like part of a family. Citibank American Airlines MasterCard customer service isn't quite as friendly and they don't seem as anxious to keep you, the customer, as happy as possible.

Since American Airlines is affiliated with MasterCard and Delta with American Express, the usability of the card slightly favors American Airlines. American Express has made great strides and is now accepted at a high percentage of merchants. However, Mastercard and Visa still hold the edge in this department. One example that comes to mind is the bursar's department at most universities. Many colleges and universities accept only MasterCard or Visa for payment of tuition and fees. They do not take American Express.

One other thing I like about the Delta Skymiles American Express is its great balance transfer offers (transferring balances from other credit cards to this card). Citibank American Airlines MasterCard offers balance transfers also, but the deals are generally inferior. I have taken advantage of the Delta Skymiles American Express card's balance transfer offers for as long as I have used the card. What makes Delta Skymiles American Express offers better is that they are often good for the life of the balance transfer (for example, 4.9 percent interest until you pay off the balance in full). With Citibank American Airlines MasterCard, the balance transfer offers are usually only for a stated time limit, like six months; at which point, the interest returns to the standard rate. 

Citibank American Airlines MasterCard does offer a slightly lower interest rate and this makes it appealing to those who usually carry a balance on the card. However, based on my experience, Delta Skymiles American Express is more likely to lower your interest rate if you request it. I think this goes back to the greater emphasis on customer service that you get with American Express. As long as your account is in good standing, American Express will often honor your request, lowering the interest rate to a level below that of the Citibank American Airlines MasterCard.  

**Bottom Line Viewpoint:**

So, which credit card is better for the frequent flyer? Both have their pros an cons, but in this battle of the Airline Frequent Flyer Mile Reward Credit Cards, the winning card is........(Drum roll Please).......

**Delta Skymiles American Express Card**

Delta's American Express Card is slightly worse for interest rates and low availability of cash advance money. But when you factor everything together, the winning prize has to go to the Delta Skymiles American Express Card. The companion certificate is probably the main reason, because it easily negates the cost of the annual fee and other small disadvantages of this card.

American Express is not as universally acceptable as MasterCard, and this fact could convince some to go the way of American Airlines. But the Delta Skymiles American Express card is still a worthwhile credit card for many reasons. I am still a cardholder and as long as the companion certificate remains in play and as long as Delta Skymiles American Express continues to offer great credit transfer offers, I will continue to keep this credit card in my wallet. It is a good card to have around for those who are frequent travelers and who want to earn free travel as quickly as possible.  

 

VS

Most Liked Negative Review

 

very unhappy with everything!!! Customer service is horrible

I chose this card for the advantage of airline miles. Sadly I made a mistake purchasing miles thinking I was getting enough for my family. I purchased 100,000 miles and come to find out...Read complete review

I chose this card for the advantage of airline miles. Sadly I made a mistake purchasing miles thinking I was getting enough for my family. I purchased 100,000 miles and come to find out it was enough for one family member. I thought it was enough for the 4 people when I purchased miles. I called to cancel immediately after my mistake and I was told they would dispute it and refund money. After refund, I was happy. 3 months later they reversed it and now I was surprisingly stuck with a new balance. Within those 3 months
I purchased another ticket. I called to confirm the miles and he said yes I have miles. I also said, Please make sure that the miles I purchased 3 months prior where removed. He said yes. It turns out they were never removed and I used the miles on another ticket. They said I was responsible and used them and that is why they reversed the balance. It it wasn't for the operators mistakes I wouldn't be paying for this. Now I am paying for their mistakes. I can't even tell you the numerous phone calls I made to fix this mistake and the 20 people I was transfered too. I had many of them guarantee me a reversal and one person said it could be corrected if I paid them 800.00 to fix mistake. Later, someone was calling me saying that was wrong and incorrect on the representative that helped me. Everything they do is a catastrophe. I also ask for phone records and they said I need an attorney. I just wanted to prove what was said and done. They continued to blame me but also said that the people working behind the phones are human and make errors. This was a 2400.00 mistake. I could have saved all of this trouble by getting my tickets through the resort. I only decided to do this through citibank for my miles. What a huge mistake.

Reviewed by 22 customers

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1.0

very unhappy with everything!!! Customer service is horrible

By 

from fort myers, Fl

Comments about Citi - Platinum Select AAdvantage World MasterCard:

I chose this card for the advantage of airline miles. Sadly I made a mistake purchasing miles thinking I was getting enough for my family. I purchased 100,000 miles and come to find out it was enough for one family member. I thought it was enough for the 4 people when I purchased miles. I called to cancel immediately after my mistake and I was told they would dispute it and refund money. After refund, I was happy. 3 months later they reversed it and now I was surprisingly stuck with a new balance. Within those 3 months
I purchased another ticket. I called to confirm the miles and he said yes I have miles. I also said, Please make sure that the miles I purchased 3 months prior where removed. He said yes. It turns out they were never removed and I used the miles on another ticket. They said I was responsible and used them and that is why they reversed the balance. It it wasn't for the operators mistakes I wouldn't be paying for this. Now I am paying for their mistakes. I can't even tell you the numerous phone calls I made to fix this mistake and the 20 people I was transfered too. I had many of them guarantee me a reversal and one person said it could be corrected if I paid them 800.00 to fix mistake. Later, someone was calling me saying that was wrong and incorrect on the representative that helped me. Everything they do is a catastrophe. I also ask for phone records and they said I need an attorney. I just wanted to prove what was said and done. They continued to blame me but also said that the people working behind the phones are human and make errors. This was a 2400.00 mistake. I could have saved all of this trouble by getting my tickets through the resort. I only decided to do this through citibank for my miles. What a huge mistake.

 
5.0

Love love this card! The only drawback is the high interest

By 

from USA

Comments about Citi - Platinum Select AAdvantage World MasterCard:

I love this card my husband is from South America and we would spend a fortune to see his parents on a regular basis. This card makes it possible to visit them at least once a year. We have also had to dispute charges and had our number stolen. The charges and disputes were always settled with no cost to us. They were amazing and are always very helpful. The only down side is the high interest rates but we pay the card off every month so for us it is ok.

Customer Service
Their customer service is amazing just recently we had to dispute some charges we called the company that charged us and they said there was nothing they could do we would be charged for something we did not use. We called the credit card company they said they would take care of it and they did we were refunded back the full amount.

Available Rates
The only downside to this card is the rates they are very high compared to out other cards. However they are so accommodating and have always helped us and taken good care of us I that I think it is definitely worth it.

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4.0

My Card of Choice

By 

from USA

Comments about Citi - Platinum Select AAdvantage World MasterCard:

I have had this card for a while now. I think it is the best airline card to have. Well if you fly American it is. I think the miles are so easy to redeem for flights. So far since having this card I have taken 3 round trip flights for free, and paid for both my husband and I using my miles. There are minimal fees when you book using miles. The card has a $95 annual fee but well worth it if you are a traveler. It comes with other perks that make it worth it. I have tried other cards and I always come back to using this card. I charge everything to this card so that I can maximize the miles I earn. I recommend this card if you are a traveler.

Customer Service
Anytime I need to speak to a customer service representative, they are always so nice and so helpful. They are always so courteous and make you feel like they actually want to help you.

Available Rates
I really do not know too much about this. I pay the card in full every month.

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(11 of 11 customers found this review helpful)

 
5.0

American Express or MasterCard? The Best Way to Earn Free Travel

By 

from Houston, TX

Comments about Citi - Platinum Select AAdvantage World MasterCard:

Reward credit cards are very popular among consumers. It is a known fact that most American household have more than one credit card and because credit cards have become such an important part of our lives, it makes sense that a larger and larger percentage of credit card users want something extra from their credit card issuer. In the past, the something "extra" was usually a cash back reward at year end. But today, credit cards offer all sorts of rewards, ranging from discounted hotel stays to free books and other merchandise.

I have used several different reward credit cards, but the type of reward card that has frequented my wallet the most is the airline frequent flyer credit card. These credit cards are issued by financial companies and they offer frequent flyer miles to the user each time the card is used. Every major airline offers one of these credit cards and I have had accounts with several of them. Two of the many airline credit cards I have done business with are the **Delta Skymiles American Express Card **and the **American Airlines Citibank Platinum Select AAdvantage World MasterCard.** Let's see how these two credit cards stack up:

**Basic Qualities of Each Credit Card:**

Some FAQ answers for Delta Skymiles American Express Card and the American Airlines Citibank MasterCard are exactly the same. Here is a list of benefits both cards offer:

*One frequent flyer mile rewarded for every dollar charged to the card.

*Double miles on purchases of airline tickets (for the respective airline only)

*Double miles on purchases of goods and services from affiliated businesses (like groceries, gas, etc).   

 

American Airlines is affiliated with Citigroup and its card offers the following:

*15.99 percent interest rate

*20.99 percent interest rate on cash advances

*29.99 percent interest rate on default (this takes effect when a payment is not received on time)

*Late fee of $15 to $39

*No Annual Fee (for the first year, $85 after that)

*20,000 bonus miles if $750 is charged on the card within the first four months; 10,000 more bonus miles if $10,000 is charged on the card in the first year; another 10,000 bonus miles if $10,000 is charged the second year. 

 

Delta Airlines is Affiliated with American Express and it offers the following:

*17.24 percent interest rate

*14.99 PLUS PRIME percent interest on cash advances

*21.99 PLUS PRIME percent interest on default (this takes effect when a payment is not received on time)

*Late Fee of $19 to $38

*Annual Fee of $80

*One complementary companion ticket each year when you renew the card.

*20,000 bonus miles when you make your first purchase

(Please note that the above terms, conditions, and benefits are the ones presently offered and they can change at any time)

**Credit Card Comparison Commentary:**

I have used both the Delta Skymiles American Express Card and the Citibank American Airlines Mastercard and there are certain qualities about these two cards that are not necessarily reflected in the facts and figures listed above and that serve to distinguish one from the other. But first, let's look at the facts. American Airlines MasterCard gets the nod for having a lower interest rate, slightly lower late fees, and extra bonus miles for making large amounts of purchases. Delta's American Express Card has the advantage of offering a free companion ticket every year if you renew the card. This offer is a very good one and is worth the equivalent of 25,000 frequent flyer bonus miles (the number of miles needed to earn a free domestic flight).

Aside from the facts stated above, there are some other noteworthy differences that I have noticed during my tenure as a card holder for each of these two credit cards. One difference I noticed right away is the fact that the Delta Skymiles American Express offers little or no cash advance option. With the Citibank American Airlines MasterCard, you can get cash equal to an amount very close to your credit limit. With Delta Skymiles American Express, the cash advance limit is so low (about one- tenth or less of the credit limit), it is almost silly to even offer one. 

Citibank American Airlines Mastercard is good for offering special incentives to get members to keep the credit card and this is the primary reason I held this credit card for such a long period of time. Even though a companion certificate is not part of the stated agreement (like it is with the Delta Skymiles American Express), American Airlines and Citibank will often give in and make this type of offer, especially if a member has called and requested to cancel the account. Delta Skymiles American Express card doesn't make any such offer. I guess they assume that the companion certificate offered each year when you renew is good enough.

One other difference between these two cards is the customer service. With the Delta Skymiles American Express, customer service reps are always ready to help and they make you feel like part of a family. Citibank American Airlines MasterCard customer service isn't quite as friendly and they don't seem as anxious to keep you, the customer, as happy as possible.

Since American Airlines is affiliated with MasterCard and Delta with American Express, the usability of the card slightly favors American Airlines. American Express has made great strides and is now accepted at a high percentage of merchants. However, Mastercard and Visa still hold the edge in this department. One example that comes to mind is the bursar's department at most universities. Many colleges and universities accept only MasterCard or Visa for payment of tuition and fees. They do not take American Express.

One other thing I like about the Delta Skymiles American Express is its great balance transfer offers (transferring balances from other credit cards to this card). Citibank American Airlines MasterCard offers balance transfers also, but the deals are generally inferior. I have taken advantage of the Delta Skymiles American Express card's balance transfer offers for as long as I have used the card. What makes Delta Skymiles American Express offers better is that they are often good for the life of the balance transfer (for example, 4.9 percent interest until you pay off the balance in full). With Citibank American Airlines MasterCard, the balance transfer offers are usually only for a stated time limit, like six months; at which point, the interest returns to the standard rate. 

Citibank American Airlines MasterCard does offer a slightly lower interest rate and this makes it appealing to those who usually carry a balance on the card. However, based on my experience, Delta Skymiles American Express is more likely to lower your interest rate if you request it. I think this goes back to the greater emphasis on customer service that you get with American Express. As long as your account is in good standing, American Express will often honor your request, lowering the interest rate to a level below that of the Citibank American Airlines MasterCard.  

**Bottom Line Viewpoint:**

So, which credit card is better for the frequent flyer? Both have their pros an cons, but in this battle of the Airline Frequent Flyer Mile Reward Credit Cards, the winning card is........(Drum roll Please).......

**Delta Skymiles American Express Card**

Delta's American Express Card is slightly worse for interest rates and low availability of cash advance money. But when you factor everything together, the winning prize has to go to the Delta Skymiles American Express Card. The companion certificate is probably the main reason, because it easily negates the cost of the annual fee and other small disadvantages of this card.

American Express is not as universally acceptable as MasterCard, and this fact could convince some to go the way of American Airlines. But the Delta Skymiles American Express card is still a worthwhile credit card for many reasons. I am still a cardholder and as long as the companion certificate remains in play and as long as Delta Skymiles American Express continues to offer great credit transfer offers, I will continue to keep this credit card in my wallet. It is a good card to have around for those who are frequent travelers and who want to earn free travel as quickly as possible.  

 

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(1 of 1 customers found this review helpful)

 
5.0

A great way for non-frequent flyers to earn free travel.

By 

from Lake Villa, IL

Comments about Citi - Platinum Select AAdvantage World MasterCard:

I've had the Citi AAdvantage Mastercard for more than 17 years. I am NOT a frequent flyer, yet I've redeemed my miles for two trips to Hawaii and still have enough miles to take my family of five back to the Big Island in the near future. Want to know the secret?

First of all, there are sign up offers for 40,000 bonus miles or more (it's 35,000 miles to go to Hawaii). And once you're a cardmember, there are many offers through third-party retailers who give you miles to sign up for their services, buy their products and even by taking online surveys. 

Second, you earn 1 mile per dollar spent. You can also earn additional miles for renting cars, eating out and staying at select hotels. To earn my first two trips, I pretty much put everything on my card, especially big ticket purchases, but I always paid my balance in full each month. Be careful, however, if you tend to carry a balance. This is not the card for you. But if you're responsible with your budgeting, you can amass a lot of miles quickly.

Third, there is an annual fee, but depending on how soon you earn your trip, the overall cost is still much less even if you purchased your ticket through Expedia or Travelocity. And American has quite a number of airline partners from which you can travel.

Finally, for those who say you can't redeem your miles for great destinations, they're wrong. As I said earlier, I've used my miles to fly from Chicago to Hawaii twice and even have miles for another trip. The key to getting your destination is to plan ahead. If you're able to book your flight up to a year in advance, you're golden.

Aloha!

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(2 of 2 customers found this review helpful)

 
4.0

Citibank AAdvantage is Good for the Disciplined Cardholder

By 

from Houston, TX

Comments about Citi - Platinum Select AAdvantage World MasterCard:

Almost all airlines have frequent flyer reward programs and the majority of these programs use frequent flyer miles as their method of customer loyalty measurement. Most every one of these programs has a credit card affiliate and one of the cards associated with American Airlines is the **Citibank Aadvantage MasterCard**. Let’s take a closer look at this reward credit card:

 

**Credit Card Commentary:**

 

The Citibank Aadvantage MasterCard is a credit card that rewards its users with frequent flyer miles that are obtained every time the card is used. Ordinary purchases accumulate frequent flyer miles at the rate of one mile per dollar spent while purchases of American Airlines services accumulate miles more quickly- usually at the rate of two miles per dollar spent. Citibank will sometimes run special offers that increase the mileage rewards when certain, specific purchases are made, helping consumers rack up the miles even faster.

 

Citibank Aadvantage MasterCard is similar to other airline credi cards in most ways and like most all of the competition, this credit card includes incentives to encourage new signees. The last time I checked, Citibank was offering 30,000 to 40,000 frequent flyer miles as a signup bonus after a few months and a specific amount of purchases had been reached. This is more than enough to secure a complementary round trip flight within the United States. At other times, Citibank and American Airlines have made slightly different but similar offers. When I first signed up for this credit card many years ago, the offer was a free companion certificate (the equivalent of getting about 25,000 frequent flyer miles) and nothing more. Today, the signup bonus is a specified number of miles but it can also include a companion certificate with the miles. It depends on the going offer at the time.

 

Like other airline credit cards, Citibank Aadvantage MasterCard carries an annual fee that ranges between $50 and $75. This fee does take away somewhat from the benefit of earning frequent flyer miles, but lately, Citibank has been waiving the fee for the first twelve months of card usage. With the annual fee removed and the opportunity to earn bonus miles upon signup, the Citibank Aadvantage MasterCard does have many reasons to at least give it a try.

 

Does an offer like this sound too good to be true? Well, in some ways, yes. It is true that Citibank makes these enticing signup offers to new members and they are legitimate. However, the good times can come to a swift halt if the cardholder messes up in any way. For example, a late payment will result in a giant leap of the interest rate up to nearly thirty percent! If you carry a large balance and are hit with this penalty, the interest you pay can quickly erase any of the initial benefits experienced upon signing up for the credit card. There are also fees for late payments and other services that can really add up if one is not careful.

** **

**Bottom Line Viewpoint:**

 

Citibank Aadvantage MasterCard is a good airline credit card with decent customer support, great signup incentives, and widespread acceptance. As long as you are disciplined and play by the rules, you can easily come out on top with the Citibank Aadvantage MasterCard. 

 

Customer Service
No issues with customer service, but haven't noticed anything exceptional either.

Available Rates
Not many rate options- you have to take what you get.

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5.0

Make your money work for you...

By 

from Redding, CT

Comments about Citi - Platinum Select AAdvantage World MasterCard:

My experience over the past 10 years have been very positive.  Any disputes with suppliers have always been handled and credited timely to my account.  Credit limits are adequate and consistent with good credit.  Points programs are beneficial perks.  Customer service is amazing.

(0 of 1 customers found this review helpful)

 
1.0

their staff is clueless and they do not live up to their pledge

By 

from Pittsburgh, PA

Comments about Citi - Platinum Select AAdvantage World MasterCard:

Initial account opening incentives included a buy one get one free coupon for future flight.  Being that I knew I was flying for a friend's wedding, I accepted this credit card SPECIFICALLY for the BOGO flight coupon.  My end of the deal was to make a number of purchases and they would send the BOGO coupon in 8 - 12 weeks.  On the 8th week I phoned to see how things were going, and no one could help me until the full 12 weeks had passed - which by that time when I did call I needed the coupon in my hand.  One operator told me to phone back tomorrow to get a code; one operator told me they could overnight it; another operator told me there was no such thing as overnighting AND that there were no codes to be given orally over the phone.  In the end I received the coupon at 15 1/2 weeks and had to purchase my flight tickets at full price, costing me and extra 650$.  Because it was Citi's fault they gave me an EXTRA BOGO coupon instead of crediting me 650$.  Furthermore, both BOGO coupons were due to expire in less than 4 months AND when I attempted to use the BOGO coupon with lowest airfare offered those flights were deleted from the available options.   Making the final bill after taxes and etc. almost equally expensive as purchasing two of the cheapest fares without using the BOGO.  In the end a total waste of my time, and i got nothing out of it except the bonus 20,000 points and the first year free from yearly fees.  Which, I will not pay for bad and unreliable service, so i plan on cancelling my card as soon as my free year is up.

 
5.0

Start off with almost a free plane ticket!

By 

from ProvidenceProvidence, RI

Comments about Citi - Platinum Select AAdvantage World MasterCard:

I'm a frequent traveler, and although I don't use the card enough to accumulate so many points as to qualify for a free ticket often, I've already used a free ticket through the generous introductory offer for 20,000 points (25,000 is the minimum for a domestic ticket). I'm also very happy with the absence of a preset limit, because I use this card often when travelling.

 
1.0

Dispute Resolution is rude, ineffective and discourteous

By 

from West Hollywood, CA

Comments about Citi - Platinum Select AAdvantage World MasterCard:

I was a great customer of Citi, they begged me to keep my card with them...but after they were 100% rude and ineffective with my dispute...I had no other choice but to cancel the card. Use American Express, they actually stand up for their customers.

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