Warranty protection through cc's question

[Anonymous]

I plan to purchase an elliptical machine.  As with anything, reviews can be all over the place.  Extended warranties on some of these machines can be in the $200+ range.  It was $184 at Sears for the Nordic Track.  I know Discover and Amex have an extended warranty provision so I am trying to understand the benefit.

If you purchase a piece of equipment (whether it is a laptop, tv, etc), do you just use your cc warranty protection or purchase the extra protection?  Is the process to use the warranty with the cc's difficult?  I am either going to purchase with Discover or Amex.  Any input would be appreciated.

[Mattopotamus]

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@Anonymous wrote:

I plan to purchase an elliptical machine.  As with anything, reviews can be all over the place.  Extended warranties on some of these machines can be in the $200+ range.  It was $184 at Sears for the Nordic Track.  I know Discover and Amex have an extended warranty provision so I am trying to understand the benefit.

If you purchase a piece of equipment (whether it is a laptop, tv, etc), do you just use your cc warranty protection or purchase the extra protection?  Is the process to use the warranty with the cc's difficult?  I am either going to purchase with Discover or Amex.  Any input would be appreciated.

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You would not have to buy an extra warranty.  The CC would extend the manufacture warranty typically by an addional year.  You would file the claim with your credit card company if the claim happened after the initial warranty period.  You also need to be sure to charge the entire purchase to your card.  For example, if you paid for half with gift cards and half with your credit card, you would only be covered to the $$ amount put on your card.  I have never personally had to file a claim, so hopefully someone else can chime in.  Also remember it is not theft or accidental damage.  It would strictly extend the standard manufacture warranty.

If you bought an extended warranty, I am not sure if that gets extended by the CC.

[stellar]

How funny, I just purchased an elliptical yesterday with my Amex.  Amex says (for Delta Gold) they double whatever the manufacturers warranty is that comes with it.  I did not purchase any additional warranty, the machine comes with 90 days.

You should read the T&C for the credit cards you're thinking of using and see which would give you the best coverage.  I'm not sure if coverage applies to additionally purchased warranty coverage.

[Chris679]

Amex doubles the warranty. I just got a $366 check from them for my range oven. Was a very easy process, no red tape at all.

[Anonymous]

I used amex for my gun purchases ext warranty hopefully never have to use  

[Anonymous]

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@stellar wrote:

How funny, I just purchased an elliptical yesterday with my Amex.  Amex says (for Delta Gold) they double whatever the manufacturers warranty is that comes with it.  I did not purchase any additional warranty, the machine comes with 90 days.

You should read the T&C for the credit cards you're thinking of using and see which would give you the best coverage.  I'm not sure if coverage applies to additionally purchased warranty coverage.

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Which machine did you buy?

[stellar]

Proform Smart Tone 600 LE on groupon..$340

[degs138]

I know you have to keep the original receipt. And I belive you need to keep the original mfg warranty card.

[takeshi74]

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@Anonymous wrote:

If you purchase a piece of equipment (whether it is a laptop, tv, etc), do you just use your cc warranty protection or purchase the extra protection?

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I don't have a blanket rule and I consider each case.  For Apple products I'll generally use AppleCare.  For other items it depends on whether I think I need/want the extended warranty in the first place.

Carefully read the terms for your cards with regard to the warranty extension programs.

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@Anonymous wrote:

Is the process to use the warranty with the cc's difficult?

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All programs are not identical.  This is a relatively common topic so don't overlook prior discussions.

https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=warranty%20extension%20site%3Aficoforums.myfico.com