| Automatic Credit Card Purchase Protections |
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Make sure you take advantage of these cardholder benefits… As many frusterated shoppers have noticed, merchandise returns are becoming more and more difficult as merchants look for ways to maintain profits during a sagging economy. One option many consumers aren’t aware of (or have forgotten) that will help resolve defective or unwanted merchandise disputes is the protections offered by most credit card issuers. Offering extended warranties, price adjustments and refunds, the details are tucked away in the ‘terms and conditions’ of your credit card agreement. Here are the four most common services offered free to cardholders by credit card issuers.
To take advantage of these protections, consumers will need to read all of the fine print. There may be a long list of exclusions such as antiques, perishable products like perfume or batteries and refurbished goods. Claims may also be restricted based on value or purchase date. Citibank cards, for example, offer as much as $500 to $1,000 back per item in the event of theft, accidental damage and (in some cases) fire. In addition, you must attempt to resolve any issues with the store or the product’s manufacturer before filing a claim. * Be sure to visit our site for a list of credit card offers & applications. |
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