信用卡延长购买商品Warranty的详细介绍

银行和信用卡 艾佳华 10192℃ 0评论

很多信用卡都有延长Warranty的条款,算是一个不大不小,但是很多时候想不起来的一个benefit。 我以Visa Signature和Amex为例来说明.
基本上要准备的申请材料都是一样的:

What documents do I need to submit with my claim?需要什么材料来提交申请?

  • Your completed and signed claim form. 完成并签名的赔付申请表格
  • Your Credit Card receipt.  信用卡收据
  • The itemized store receipt.  商品购买收据
  • A copy of the original manufacturer’s written warranty and any other applicable warranty. 原厂商质保凭证以及其他可用质保(复印件)
  • A description and serial number of the item, and any other documentation deemed necessary to substantiate your claim. This includes bills and, if necessary, a copy of the maintenance record and receipts. 商品描述和序列号,以及其他证明申请的文件。包括账单、维修记录和收据等
  • The original repair order. 原始维修单

1. American Express

American Express 关于Extended Warranty的官网说明链接:基本的Q&A和Claim的方法。

一、范围:这里的Amex指的是Amex自己发行的卡,不包含合作的卡比如Fidelity Investments American Express。如果是与其他银行合作发行的卡,如Scotiabank的卡,需要看Scotiabank的说明。

二:延长保修的时间:注意:Amex的延长保修服务,是延长原有的warranty 1倍,最长为1年。

如果你买的东西只有1个月保修,用了Amex付款,你就有了总共两个月保修。而不是1年零一个月。

如果所购物品有2年的保修,则会延长一年,总计为三年。

有的产品没有保修期,那么用了Amex也没用。

如果自带保修期太长(超过5年),就不能再用AE的这个延长保修服务。

三:部分付款的保修:

如果你买的时候只用Amex付了部分账单怎么算?例如合约机iphone只要200,或者购买700的产品用了500的GiftCard,用AE付剩下的。 这种情况下,Amex最多赔付你用Amex付掉的那部分。

如果有疑问,具体请电话Amex确认。 另外的另外,细节条款可能会排除部分产品,看清了再下手。

2. Visa卡

Visa Signature卡提供的延长质保和Amex类似,都是Double质保时间,最长一年。

但是有一点不一样:…….three (3) years or less and which you have purchased entirely on your eligible Visa card. 意思就是Warranty三年以下的,给你最多一年的额外质保。但是必须用该Visa Signature卡全额购买该商品。如果是一半信用卡, 一半Gift Card购买的,可能无法享受。
排除在延长质保之外的商品:What items are not covered?

  • Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.
  • Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.
  • Items purchased for resale, professional, or commercial use.
  • Real estate and items which are intended to become part of real estate including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans.
  • Rented or leased items, or items purchased on an installment plan and for which the entire purchase price was not paid in full at the time of the occurrence.
  • Computer software.
  • Medical equipment.
  • Used or pre-owned items.

3. 总结

不论哪家信用卡,其延长Warranty需要信用卡公司买单的最高上限,都是当初购买商品时的售价。

如果维修所需的费用,超过购买的价格,很有可能会得到更换,但是需要相关负责人(Benefit Administrator的许可)。Once your claim has been verified and the terms and conditions of the benefit have been met, the item will be repaired or replaced at the Benefit Administrator’s discretion, but for no more than the original purchase price of the covered item

另外,关于90天内的Buyer’s Assurance,举个例子,来自Flyertalk的一名SPG Amex联名信用卡使用者:
“As for how it works, basically you are covered when you purchase, if the purchase is eligible (plenty of fine print). I once drowned my iPhone in Hawaii accidentally, it was within the 90 days, so I just called, filled out a form, bought another one and faxed in the receipt and they gave me a statement credit for it as they determined it was covered.”
“我曾经在夏威夷不小心把我的iPhone在水里浸坏,幸好还在购买之后90日内,所以我打了电话,填写了表格,买了另一台iPhone然后把收据传真了过去。Amex认为属于保护范围之内,就给我免除了购买的费用。”

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