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I think that the parent is saying that your credit-card company might be the 3rd party insurance, and you might be able to make a claim to take advantage of tha

by 762236 10y ago

I think that the parent is saying that your credit-card company might be the 3rd party insurance, and you might be able to make a claim to take advantage of that insurance.

op00to 10y ago
To add - many "good" credit cards provide "return protection" which allows you to make a claim against the card to get a refund within the first 30 days if the original vendor won't accept a return, and warranty extension which extends the original manufacturer's warranty a year. I have used both benefits quite a bit, and have always had a great experience.