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Putting Your Credit Card to Work for You this Holiday Season

December 7, 2015
Plain English Version

credit cardIt may take a little work to get your credit card working for you. It might well be worth the effort. The holiday buying season is in full swing. Most people do not know about some of the benefits offered by many retailers and credit card companies. Take a look.

Price matching. What if you find something on sale days or weeks after you bought the item? Some retailers may offer you a refund (the difference between what you paid for an item and the sale price of the item). You have to show that the item is now selling for less. If you show a lower price offered by a competitor, some retailers may match the lower price.

Many credit cards will also match prices for cardholders. Consumers may have to show their original receipts. They may have to provide copies of ads, with dates. Cards may limit the refunds to $250 or $500 per item. The claims must usually be made within 60 or 90 days of the purchase.

Theft and damage protection. Many credit cards offer insurance on items that are stolen or damaged soon after being bought. Most cards will cover up to $500 for each item or incident. The damage or theft should happen within 90 or 120 days of the purchase. Items stolen from a person’s car may not be covered.

Extended warranty. Many credit cards offer extended warranties at no extra cost. It typically extends the coverage for another year or two after the manufacturer’s warranty has expired. Card companies usually make consumers show copies of their receipts for covered items.

Guaranteed returns. Did you wait too long to return something? Some credit card companies will let you send in new or unworn items to them in exchange for a refund. Many will not take jewelry, art or cell phones. Claims generally need to be made within 60 or 90 days. Some cards may reject items from retailers that do not accept returns at all.

Call your credit card company for more information.

Source: The Washington Post November 13, 2015

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