A credit card extended warranty is a feature offered by Visa, Mastercard and American Express. This warranty will usually match and exceed the length of a manufacturer’s warranty on an eligible purchase. Purchases that typically don’t have a manufacturer’s warranty are usually not eligible for an extended warranty.
The extended warranty from your credit card will take place after the manufacturer’s warranty ends. Many providers will double the length of the manufacturers warranty up to one year only, which means that you’ll be covered for an additional year by your credit card company once your manufacturers warranty runs out.
If your purchase comes with manufactures warranty up to five years, it’s more than likely that you’ll need to register the item with your credit card company within the first year of purchase. In addition, some providers require you to register the item with them, even if the warranty is less than five years.
Once a claim is submitted, it’s at the credit card companies discretion if they will repair or replace your purchase. They also have the option to reimburse you. The extended warranty will not cover anything extra that wasn’t covered by the manufacturer’s warranty. Claims will be dismissed for purchases with damages such as normal wear and tear, inflicted damage or damage from natural disasters such as floods.
Before making a claim:
When making a claim:
Keep in mind that if you cancel the card you used for the purchase, the extended warranty will also be voided.
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