3 ms·
http://www.microsoft.com/mscorp/productrefund/refund.mspx http://www.microsoft.com/mscorp/productrefund/refund.mspx If you bought it using a credit (not debit)
by encoderer 14y ago
http://www.microsoft.com/mscorp/productrefund/refund.mspx http://www.microsoft.com/mscorp/productrefund/refund.mspx
If you bought it using a credit (not debit) card then there's also a shot that you have purchase protection benefits that include price protection and compensation for you if a retailer refuses to accept a returned product.
If your card doesn't have those things -- or ESPECIALLY if you're using a Debit card -- this is a good time to learn that debit cards are awful and you should be adding a good go-to credit card.
Any basic Visa Signature card will be a good start, but I'd suggest finding a Signature card that adds in better price protection. Some that come to mind:
* Fidelity 1.5% cashback Amex offered by FIA (aka Bank of America)
* Chase British Airways card -- includes 100,000 bonus miles, very nearly enough to fly first class from SFO to CDG, a $10,000 fare.
* Just about any American Express card -- unless you travel and want the access to airport lounges, the Blue card is often best. Get the variant that best matches your circumstances.
There are many others, but that's a good start.
For pure cashback (a little unsure of the Signature benefits):
* Barclays' Priceline-branded card recently changed their rewards. It's a straight 2% cashback card now which is fantastic. And you get a card with Shatner on it.
* NASA federal credit union has a great 2% cashback card, too. It's changed recently and I'm not totally sure of the details but the last I checked it was 2% after you spent a preset amount each year. You can join by becoming a member of, IIRC, the Stargazers society.
Basic, no-benefits credit cards are silly -- get a good one! It's easy! But debit cards are evil. Friends don't let friends use debit cards.
- benjohnson 14y agoI lack the self discipline to use credit card. Switching to debit forces me to live within my means, that alone has saved me a significant amount of money.
- sunsu 14y agoCapital One Venture card is 2% and you get all the Visa Signature benefits.
- encoderer 14y agoIt's not an awful card, but it doesn't offer price match protection (you buy a TV for $999, a month later it's dropped to $799, with the cards I mentioned in the first group you'll get a $200 rebate). Also, anecdotally, Capital One doesn't seem to grow as reliably with you as other cards. That is, more people get a $5k citi, chase, amex, etc, that grows to $25k than happens with Capital One. It's not unheard of, but generally the accepted consensus is that Capital One doesn't grow as easily.