No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Nice story, Webbie! I'd be cautious to proceed with disputing charges though. Too many of them may raise a red flag.
@webhopper wrote:Amex does better than price protection in my opinion.
If you dispute a charge, they almost always take your side.
For example. I used my Amex card at a vending machine and the $0.55 cup of coffee did not vend. At that point I was upset because it was below freezing and the coffee would have warmed me up.
I made a special point of logging onto Amex and disputing the charge since no goods were received.
My $0.55 was returned with no questions asked.
That's mostly due to the amount. I think AmEx has the highest cost of investigating, so if you dispute an amount at or below a certain threshold, the system will issue a permanent credit and close out the case. However if they see a pattern of abuse, they will begin researching even $1 disputes.
In $63910 worth of charges since becoming an Amex cardmember, I've disputed $15.54 in charges. I think I am safe as far as charge disputes go.
The first was a $14.99 charge that I didn't recognize for a service I didn't remember signing up for. The second was for a $0.55 cup of coffee that I didn't get to drink
By no means am I advocating for folks to dispute charges that have no reason for dispute. But, its nice to know that Amex will protect you and take your side if there is a question.
I put this out there as more of an FYI when it comes to charges... Amex, NFCU, and Discover in my experience will take care of you and treat you right.
@webhopper wrote:In $63910 worth of charges since becoming an Amex cardmember, I've disputed $15.54 in charges. I think I am safe as far as charge disputes go.
Oh yeah you're safe, even if you did 10% lol I was posting general info about the disputes process and permanent credits.
@scientifics wrote:I used it a few months ago. You have to call in, they transfer you to the Price Protection Department, and they take some info and then mail you the paperwork. You then have to fill out the paperwork and send it in with the proof and wait a a few weeks for them to approve it and then wait a few weeks to get a check. It's not a quick or easy process, but it works.
Thanks for the info...I haven't had to use this benefit yet, but it's good to know it's there.
@cottontop wrote:
Well, sent claim form off April 23rd, got $150 check in the mail today. Price difference on a lawn mower that went on sale three weeks after I bought it. I'm impressed, DiscoverCard!
That is awesome. Congratulations! 1 bonus point for Discover!
@bekindtoedward wrote:
Hi. Do you think a bestbuy webpage print out of an on sale ipad air acceptable?
I am processing the claim for my wife, they mentioned to her, that a printed advertisement is required, but thats a problem if they are strict about it, coz I can only find a webpage about it.
Thanks
As long as it shows a date.