Comments on: Claiming Extended Warranty with Your Credit Card

By: FrugalTrader

FrugalTrader — Thu, 15 Apr 2010 11:23:08 +0000

I didn’t get that speel when I told them my laptop broke. I’d call again and get another rep. BTW, I used MBNA as well.

By: Peter B

Peter B — Thu, 15 Apr 2010 06:17:46 +0000

I have a MBNA Platinum Plus MC and when I phoned about the warranty on some cordless phones that we had purchased I was told that we had to register the product within 30 days of purchase. Something that we have never done with any electronics purchased with this credit card. Not too happy but going to give them a call and ‘talk’ about this unnecessary requirement.

Anyone else run into this requirement with their credit cards?

Peter

By: FrugalTrader

FrugalTrader — Sun, 14 Feb 2010 16:16:41 +0000

Daniel, sorry, I must have missed your question. Yes, I received a cheque for the amount of the repair.

By: a funding consultant

a funding consultant — Tue, 09 Feb 2010 08:01:59 +0000

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By: Larry

Larry — Wed, 27 Jan 2010 20:37:18 +0000

Not an extended warranty claim, but a theft claim. A few years back my wife had purchased a jogging stroller for about $200 bucks on her Visa. About a week later it was stolen from our back yard. Her sister (who worked for RBC) asked if we had bought it with our Visa and we had, so we put in a claim and it was reimbursed no problem. One of her friends also dropped a new Camcorder in a hot tub by mistake and this claim was reimbursed as well.

By: Iamphysio

Iamphysio — Wed, 27 Jan 2010 04:53:10 +0000

LOL Cannon_fodder!

By: Robin

Robin — Tue, 26 Jan 2010 05:35:57 +0000

First before you purchase something you should be aware of it’s warranty and other useful details/agreement on your purchase. But not all of credit cards can give you what you’ve expected to. So thanks FT for the thoughts!

Excellent post!

By: chris

chris — Mon, 25 Jan 2010 19:45:26 +0000

surprisingly not all cards with an annual fee have this.
i used to have a cibc aerogold card and it did not offer this service despite a $120 annual fee. i switched to a cibc dividends card and it had this service, and the card was free! dont assume all expensive gold and platinum cards carry this feature. read the fine print!

By: cannon_fodder

cannon_fodder — Sat, 23 Jan 2010 19:34:30 +0000

So lamphysio, was that a “riding” lawn mower? I mean it is the Drivers Edge MC, right?

By: Greg

Greg — Fri, 22 Jan 2010 23:15:41 +0000

I also have the Citibank Drivers Edge Mastercard. I bought a new sound system about 10 years ago and 13 months after purchase it died. I called Citibank who forwarded me to the insurance company. Similar procedure to FT, I had the system fixed and they sent me a cheque for the full amount.

By: Iamphysio

Iamphysio — Thu, 21 Jan 2010 03:11:50 +0000

I’ve used the extended warranty on a lawn mower this past summer. It died after 4 faithful years of service. After my initial frustration I thought about the extended warranty from my Citibank Drivers Edge Mastercard – still my vote on best card to carry – 2-3% of purchase price accumulates towards the purchase of any new or used vehicle of any make or model. Accumulated $3,000 which we used on the purchase of a used Honda minivan without any problems at all (sorry for the aside). The original warranty was 4 years and the mastercard extended this to 5 – same documentation required as per Frugal Trader – and mastercard sent me the money after repairs were done. Awesome!

By: Kathryn

Kathryn — Wed, 20 Jan 2010 21:11:03 +0000

This is great advice about how to make a claim. Did they reimburse you even though you went ahead and got the repairs?

I’m going to be extra careful to keep all receipts filed from here on in. I’m not sure it would have occurred to me to check the extended warranty on the credit card.

By: Cam Birch

Cam Birch — Wed, 20 Jan 2010 18:36:33 +0000

I just finished using my CC for an extended warranty. My wife’s cell phone decided to stop working so I contacted AMEX and went through the paperwork, mailed out the phone and presto not long after (2 weeks or so) had a fixed phone. The nice thing is they even offered to give me the cash for the repair costs to purchase a new phone with (turned it down as its pretty much impossible to get a nice phone for under $200).

I’m pretty happy with the process and I think I will be changing my filing system to help out with these sorts of things in the future.

By: Daniel

Daniel — Wed, 20 Jan 2010 15:36:48 +0000

Did they pay for it? I don’t see a resolution.

By: Ramona

Ramona — Wed, 20 Jan 2010 14:45:20 +0000

So timely – thanks! My son just broke his glasses yesterday, and my first thought was did I put that purchase on the card with extended warranty? Now I know exactly what is required in order to file a claim, thank you.

It’s a coverage that I never even considered using previously, until a coworker advised that she used it often, which made me haul out my agreement papers and find out what I was covered for. I’ve been more careful since to ensure that credit card makes the purchases for which I may need the warranty.

Again – thanks FT – right on the money.

By: FrugalTrader

FrugalTrader — Wed, 20 Jan 2010 14:37:51 +0000

lb71, yes, you’ll have to check your credit card agreement as it’s not standard. Easiest thing is to google your credit card and check out the “benefits” listed.

By: lb71

lb71 — Wed, 20 Jan 2010 14:33:00 +0000

Is the extended warranty standard on most credit cards, or do you need to check your agreement?

By: This is why I signed up with ING Direct

This is why I signed up with ING Direct — Wed, 20 Jan 2010 13:25:09 +0000

Cool article, I’ve always wondered how to make a claim on a credit card; now I know how.