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Would credit card extended warranties and protection result in a charge back? I thought the credit card companies paid these out as benefits, and usually reserv

by _rs 6y ago

Would credit card extended warranties and protection result in a charge back? I thought the credit card companies paid these out as benefits, and usually reserved for cards with annual fees.

zaksoup 6y ago
There's two routes you could go down - file a warranty claim on a higher-end card that provides extended warranties. Cards usually also allow you to request a chargeback against defective goods for which a merchant refuses to make you whole. In this case you could probably call up Amex or whatever and say "I bought a laptop that is defective within the warranty period and apple refuses to RMA it, here's the proof..." and they'd do it no questions asked. I've done both of these things with Amex and Chase and it's usually a painless process for each. With the chargeback route, however, it's common for companies to retaliate by closing your accounts or otherwise refusing you service until you reverse the chargeback. If you actually tried to chargeback the macbook I wouldn't be surprised if you found yourself with a "your iCloud account will be closed in 30 days" email. When I charged back a local CSA for refusing to cancel my subscription without an onerous phone tree despite multiple emails I received a voicemail saying, very politely, "Your account is now closed but you will be banned from ever opening a new account with us in the future." Fine by me...
- dannyw 6y ago
  Australian here, in my card chargeback form there’s literally an option for “The good I received is defective and the seller has declined to remedy”.
- geoka9 6y ago
  CSA == Canadian Soccer Association?
  - zaksoup 6y ago
    Community Supported Agriculture. Farm shares, basically. Pay a fixed amount/week for a weekly allotment of whatever is seasonally being harvested by a local farm. Usually at better prices than local grocery stores and you support local farmers and ag.

by _rs 6y ago

Would credit card extended warranties and protection result in a charge back? I thought the credit card companies paid these out as benefits, and usually reserved for cards with annual fees.

zaksoup 6y ago

There's two routes you could go down - file a warranty claim on a higher-end card that provides extended warranties. Cards usually also allow you to request a chargeback against defective goods for which a merchant refuses to make you whole. In this case you could probably call up Amex or whatever and say "I bought a laptop that is defective within the warranty period and apple refuses to RMA it, here's the proof..." and they'd do it no questions asked. I've done both of these things with Amex and Chase and it's usually a painless process for each. With the chargeback route, however, it's common for companies to retaliate by closing your accounts or otherwise refusing you service until you reverse the chargeback. If you actually tried to chargeback the macbook I wouldn't be surprised if you found yourself with a "your iCloud account will be closed in 30 days" email. When I charged back a local CSA for refusing to cancel my subscription without an onerous phone tree despite multiple emails I received a voicemail saying, very politely, "Your account is now closed but you will be banned from ever opening a new account with us in the future." Fine by me...

dannyw 6y ago
Australian here, in my card chargeback form there’s literally an option for “The good I received is defective and the seller has declined to remedy”.
geoka9 6y ago
CSA == Canadian Soccer Association?
- zaksoup 6y ago
  Community Supported Agriculture. Farm shares, basically. Pay a fixed amount/week for a weekly allotment of whatever is seasonally being harvested by a local farm. Usually at better prices than local grocery stores and you support local farmers and ag.