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Valued Contributor
Posts: 1,910
Registered: ‎11-17-2012
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Chase Sapphire and/or Visa Signature Return Policy?

Hey everyone, I just have a quick question about their return policy when the retailer won't accept it:

 

How does Chase/Visa go about this? Do they contact the seller to confirm this and arrange a deal, and if not, will credit me back regardless? Is it a lengthy process? Just wondering based on the fact that I'm ordering a textbook I may or may not need, and it's quite possible since it's from a seller and not a company, I may not be able to return it.

 

Also, while I'm on the topic, I have a damaged pocketbook that I felt so-so about when I bought it. It's from wear and tear that I obviously inflicted on it (not on purpose though...), so I doubt I can return it based on the place's return policy (within 7 days, and it's been a month)...if I just want the credit so I can buy a better quality pocketbook, will they give that to me? Or is it on Chase's discretion on whether they give you a new one, repair it, or issue you a credit? How does this claim process go?

 

Thanks everybody for your input :smileyhappy: It's much appreciated!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $13k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 747 TU 747 Credit Sesame (EX) 756 Credit.com (EX) 784
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Chase Sapphire and/or Visa Signature Return Policy?

Chase offsource these benefits to third-party insurance company, so it is up to the insurance company. I will tell you this though, insurance company will find many ways to deny your claim.

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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Chase Sapphire and/or Visa Signature Return Policy?


daybreakgonesXe wrote:

Hey everyone, I just have a quick question about their return policy when the retailer won't accept it:

 

How does Chase/Visa go about this? Do they contact the seller to confirm this and arrange a deal, and if not, will credit me back regardless? Is it a lengthy process? Just wondering based on the fact that I'm ordering a textbook I may or may not need, and it's quite possible since it's from a seller and not a company, I may not be able to return it.

 

Also, while I'm on the topic, I have a damaged pocketbook that I felt so-so about when I bought it. It's from wear and tear that I obviously inflicted on it (not on purpose though...), so I doubt I can return it based on the place's return policy (within 7 days, and it's been a month)...if I just want the credit so I can buy a better quality pocketbook, will they give that to me? Or is it on Chase's discretion on whether they give you a new one, repair it, or issue you a credit? How does this claim process go?

 

Thanks everybody for your input :smileyhappy: It's much appreciated!


there's very limited reviews on their return policy and purchase protection, but based upon what i have read on articles i've found on google, it seems to be an extremely lengthly (often dragging past 3 months) and frustrating process. Guess it's nowhere near Amex's service.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,910
Registered: ‎11-17-2012
0

Re: Chase Sapphire and/or Visa Signature Return Policy?

Yeah, i just looked it up and it seems super complicated...guess I'll just suck it up, keep the pocketbook, and go for the cheapest textbook in case I dont need it and need to resell at the bookstore!
Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $13k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 747 TU 747 Credit Sesame (EX) 756 Credit.com (EX) 784
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