Discover Warranty/Purchase Protection Stories

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wizozzie
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Discover Warranty/Purchase Protection Stories

Postby wizozzie » Fri Jul 26, 2013 6:33 am

Hello, Discover Forumites:

I have experienced AmEx Extended Warranty claims, but I haven't seen so much posted about Discover Card warranty claims. I have experienced AmEx's customer service handling these kinds of things and I've been very happy and impressed.

I'm going to be buying a few techy items and was thinking about giving Discover some spend. The only thing that's keeping me from doing this is my reluctance to deal with unfamiliar Discover policy.

One nice thing that I've never used on a card is Price Protection. Has anyone used this often? If AmEx had this I think I'd be calling them every week.

Any thoughts or anecdotal stories on this, Folks?

-wizozzie
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haoniukun
 
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Postby haoniukun » Sat Aug 03, 2013 12:07 am

I haven't used their warranty extend service before. But their price protection is great. I used the service and saved me some money. You need to keep a record of the lower price, either a web page printout or an ad. Call discover, they will send you a form. Fill in the form and send it back. If you can make sure the price is lower, you'll get the price difference.

daniel2304
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Postby daniel2304 » Tue Dec 03, 2013 2:08 pm

I recently filed a claim for purchase protection for my brand new iPad. It got stolen in library. The process is that you have to call, talk to their claim specialist, then they send you some forms to fill out. One form is about waiving home insurance or home rental insurance. Basically this form is to express that you don't have home insurance. Along with forms, you have to submit your original receipt, your Discover statement and police report.

The result is not great. They denied the claim because no due diligence.

Per the guide to benefits: This insurance does not apply to loss or damage of a Covered Purchase caused directly or indirectly by:
· Theft of ii) personal property when the Insured Person fails to exercise Due Diligence and iii) personal property stolen from public places when the Insured Person fails to exercise Due Diligence;

· Loss of i) personal property with no evidence of a wrongful act

I mean, how is it consider diligence? And if it exist, what kind of diligence that already been exercised and still let the theft or loss happened?
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.

whit
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Postby whit » Tue Dec 03, 2013 7:03 pm

how was it stolen?

I'm guessing with discover they would but only in extreme circumstances, so that not everyone will try to abuse it, not saying you would but it's tough for them to really distinguish unless with circumstances like

a police report where it shows someone robbed you and you were hurt in the process.

that's different from if you just left it there or if you were studying and someone snuck behind you and grabbed it out of your bag while you weren't looking

if someone physically grabbed it from your hand (has happened to me with iPhone) and run off then it's hard to say you're not doing due diligence if it's ripped from you,

I haven't thought of that warranty/protection but I will for future

darkguy2
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Postby darkguy2 » Tue Dec 03, 2013 8:49 pm

Just started a claim for GTA IV. Bought it for $60 when it first came out and now it is $40. Funny thing is that I already sold it. Just more money to me. Wish they had a online form but it makes sense that they would not make it too easy for you.
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daniel2304
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Postby daniel2304 » Tue Dec 03, 2013 9:11 pm

I got your point. But my point is that they claimed this benefit bring peace to your purchase, so simply denying an accident based on lack of diligence is equal than nothing more than "Oops, we're sorry for your loss." If I was robbed, it would be a different story because it involves a criminal crime.

How would they agree to compensate for someone who dropped their phone in the pool and denied the loss of my iPad? I just thought it was unfair, but I would not pursuit or fight with their denial because it would go nowhere. They have fine prints stating that and I was honestly admitted that I was negligent at some point too.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.

augiedog
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Postby augiedog » Wed Feb 05, 2014 2:36 pm

I use the price protection, and it's pretty easy.

My college bookstore charges quite a hefty price for most textbooks. I've been able to purchase my textbooks at school, and print out a price from a store like Amazon when the book reaches its lowest price (somewhat after the semester begins they lower the prices).

I was also able to get my iPhone 5s the very second it came out on contract price from Apple.com. Around Black Friday I found an ad for $75 off. I'm sure there were better offers available but you have to match everything up to the color, size, and provider for it to work though.

Once you submit your claim you get a check in the mail.
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darkguy2
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Postby darkguy2 » Wed Feb 05, 2014 8:24 pm

I did not know that you could use it for any store. I thought that it was only for the store you bought it from.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

augiedog
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Postby augiedog » Wed Feb 05, 2014 8:44 pm

darkguy2 wrote:I did not know that you could use it for any store. I thought that it was only for the store you bought it from.


I've never submitted a claim from the same store. When you call them they ask where you bought it and where you saw it cheaper. You can search for the best possible price as long as you can get a dated advertisement!
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

abhiu
 
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My Experience with Discover Extended Warranty

Postby abhiu » Fri Dec 05, 2014 1:38 pm

I am also having lot of difficulties by using discover extended protection managed by Sedgwick claims. After having spend around $45000 in 4 years with discover below is the experience I had with disocver.

I bought Vizio wireless headphones and they stopped working couple of months ago. I called Discover and received the above email. Now the problems began. The Vizio product is no longer being sold by Vizio and they don't have a repair center.

Unless i provide a repair estimate, my case would not go forward. I searched online throughout USA for repair shops but no one does the repair. I provided the claims department with the proof of email conversations but still nothing. Luckily some repair shop provided me an estimate of more than the original purchase price of the product. After lot of searching online, i found the same headphones being sold by an online retailer for $200 but the claims department was not willing to pay for the whole. They finally requested me to send the product to their center.I incurred around $13 postage. I will finally say that AMEX is lot better with extended warranties. I learned my lesson and would never purchase electronics with Discovercard in future.



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