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Amex Ext Warranty FTW (Beats A/C Again!)

Amex rocks. Get this... My son threw a toy train at my MBA screen within a month of purchase. I told them the truth about the damage, they had me send it in to Amex claim department... They determined that they needed to replace the whole machine do they credited my account for the entire purchase. Bought a new MBA!

I will not make a purchase for anything valuable unless using my Amex card!!
 
I am strongly against scamming or defrauding anyone, but having looked through the AMEX policy, and considering their actions, I don't think this is a case of fraud. They even specifically state that they require only a repair estimate, not the actual repair bill, suggesting that they pay regardless of whether you choose to actually have the damage fixed or choose to accept the damage as-is.

OP, you should of course be aware that AMEX may disagree, and be prepared to have that amount reversed unless you actually go through with the repair, but you may be just fine as well.

jW
 
I didn't see initial mention
Of Amex did not require repair to settle claim

You wrote that after our responses

So out of chrological context it makes posts sound more reactionary
Wasn't crazy to assume they expected an actual repair from what you labeled a "repair receipt."

Never claimed to mind read
You get $515 for a 500 logic board.
Obviously the SD card is not all 100% of that
By your estimates you said sell an $800 mbp for 500
Sounds like you still come out ahead 215 which was my point you pocket the difference
 
If that is Amex policy
There is a great opportunity to claim $500+ logic board repairs
For impairments of far less value
In order to pocket the difference.

You're being smart and I'm jealous that profit opportunity doesn't fall in my lap to offset the cost of new mbpr
 
Chupa Chupa said:
Fraud? Maybe the definition of fraud is different in your country. In the U.S. it's no where near. The legal definition of fraud in the U.S. is "an intentional misrepresentation of a material fact by one to another with the knowledge of its falsity for the purpose of inducing the other person to act, resulting in injury or damage.".
Click to expand...

Amex shelled out money for the repair, not to pad your wallet. If they were merely paying you damages then they'd use their own payout schedule rather than the exact amount (plus fuel) Apple quoted you for the repair.

You asked for money to pay for a repair. Amex gave you the money to pay for the repair. Instead of paying for the repair, you pocketed the money and sold the faulty notebook. That's "an intentional misrepresentation of a material fact." You had no intention of actually paying for the repair. Hell, you said yourself that you have done this before.

It's fraud, and it's a scumbag thing to do. You make me sick.
 
NMF said:
It's fraud, and it's a scumbag thing to do. You make me sick.
Click to expand...

That is absolutely ridiculous.

A while back I dropped yogurt on the click wheel of my newish ipod classic. I took it to the Apple store and told the nice man what i had done and could i pay the $200 or so and swap it for a refurbished one. The genius took a look with his endoscope thing and said since the moisture indicators hadn't been tripped he'd replace it. This didn't feel right to me, but what could I do? Was i or the genius guilty of fraud?

The OP has performed a community service by posting.
 
Chupa Chupa said:
The SD slot on my early 2011 became fussy recently -- original Apple warranty expired, of course. I took it in to the Apple Store to see what could be done. After a few tests the Genius determined the only way to fix it was a new $500 logic board. So I called up AMEX and filed a warranty claim and then faxed them a copy of my rec't and repair est. A week later they credited my acct $515. (I guess they included gas money. Ha!)

Since it's a minor issue I've decided not to repair and sell it at a below market price to compensate for the wobbly SD reader. I'm going to use the proceeds + AMEX credit to buy a new machine, something you can't do with AppleCare.

So for all you who keep telling me CC extended warranties are a joke, well, I can reconfirm that AMEX's program is the real deal. (This is the second time I've had to use it -- other time was years ago, but similar outcome, except I did the repair since it was a bum SuperDrive.
Click to expand...

Wish there was a word to describe what you did there...Freud? No, that's a psychologist...It will come to me.
 
quasinormal said:
That is absolutely ridiculous.

A while back I dropped yogurt on the click wheel of my newish ipod classic. I took it to the Apple store and told the nice man what i had done and could i pay the $200 or so and swap it for a refurbished one. The genius took a look with his endoscope thing and said since the moisture indicators hadn't been tripped he'd replace it. This didn't feel right to me, but what could I do? Was i or the genius guilty of fraud?

The OP has performed a community service by posting.
Click to expand...

Huge difference.

And yes, what the OP did is fraud.
 
Dragoro said:
Huge difference.

And yes, what the OP did is fraud.
Click to expand...
Fraud?

If AMEX gave him the money to do the repairs but did not require him to actually do it, it's not fraud in the legal sense, but rather being clueless by the part of the CC company. 9 out of 10 regular Joe Blows on the street will gladly do it because there are no strings attached with the 'free' money.

You can argue they're being immoral, but it's not necessarily fraudulent.
 
Looks like I'll be sabotaging my audio input port I never use on my MBP tonight to get a $1000+ repair estimate.
 
bamaster said:
Perhaps you should read what libel means. Being insulted by a post doesn't qualify.
Click to expand...

"There's no way for you to be caught, of course, but you're committing fraud."

That is not an insult. That is a libelous statement towards the OP.


-P
 
Dragoro said:
Huge difference.

And yes, what the OP did is fraud.
Click to expand...

No it isn't. Unless AMEX specifically says that the money is only being given on the condition that it is used for the repair of the laptop, it isn't fraud. The money is just an agreed-upon value to make the OP "whole" - whether the OP uses the money to have his laptop repaired, or whether he sells the existing laptop and buys a new one with the proceeds is irrelevant legally.
 
NMF said:
You make me sick.
Click to expand...

It's OK b/c you make me laugh at your idiocy. My machine was broken. AMEX's insurance policy reimbursed me after I submitted my claim and they reviewed it. You don't seem to understand that when you receive an insurance settlement for loss or damage you are not obligated to rebuy the product or make the repair.

Interstella5555 said:
Wish there was a word to describe what you did there...Freud? No, that's a psychologist...It will come to me.
Click to expand...

Ah, again another that has zero clue what fraud is. Please, please tell me how I misled Amex to its detriment? My computer broke during the coverage period. I filed the claim per AMEX rules. AMEX inspected the claim and decided it was valid and paid the claim. Whether I get the machine repaired or not is irrelevant to AMEX, same as if my car was totaled and my car insurance paid my claim. If I don't buy another car under that scenario that would be "Freud" to you, but in real life it's the policy holder's option to do anything with the money.

Again, I asked AMEX if I was required to get a repair and they said no, but I can't file another claim on the same machine. So if AMEX does not require me to get the repair how is it fraud?
 
Although it seems a pretty mean thing to do, I would have thought it's perfectly normal.

I claimed on my house insurance when I broke my (dropped) 1st gen ipod. The insurance company would only give me £50 (of vouchers for bloody dixons of all places) to cover some of the cost of a new one.

I didn't bother getting a new one, as the investment on my part would have been too much, but does that make me a fraudster too?
 
didnt even think of the amex extended warranty, any chance apple will let me charge my amex and uncharge my visa on my RMBP?
extended warranty for free is allways a good idea
 
Pentad said:
"There's no way for you to be caught, of course, but you're committing fraud."

That is not an insult. That is a libelous statement towards the OP.


-P
Click to expand...

To be libelous, OP must prove damage was done, as in a financial context. OP isn't a retailer and his online reputation on here isn't related to income. Not libelous.
 
dude4 said:
didnt even think of the amex extended warranty, any chance apple will let me charge my amex and uncharge my visa on my RMBP?
extended warranty for free is allways a good idea
Click to expand...

Visa Signature has a pretty similar extended warranty... Anyone have any experience with it/know whether it's as good as AmEx?
 
I'm with Chupa obviously. The guy stuck to AMEX policy and said he even verified that AMEX doesn't require the repair. No problem here.
 
Ok, I just want to make sure I get the most out of this. I just purchased a rMBP with my Amex Gold card. This is how I see it.

  1. Ride out the first 2 years with the 1 year Apple warranty plus the additional 1 year Amex gives me.
  2. Then purchase applecare just before year 2 is up, giving me an additional 2 years of protection.

This gives me a total of 4 years, which will probably cover the life of ownership for me, seeing how I typically use a machine for this amount of time.

Am I getting this right?
 
To the people claiming this is "fraud" you need to use a bit more common sense here. Insurance companies, specifically car insurance works just as he describes. They either send out an adjuster or you take your car in for an estimate, they cut you a check for the repair. They don't care if you fix your car or not, just knowing you can't turn in the same issues twice.

Amex offers the insurance, they don't require you fix anything. They pay off the estimate of work, as long as that is not forged, there is ZERO fraud going on.

Glad it worked out for you Chupa, I've used Amex a few times (not on Apple gear) over the past 10 years and love the coverage and ease of using their system of insurance.
 
IMHO, this isn't fraud at all. Car insurance companies often work like this. You get an estimate, and they send you a check. You can have the shop do the repair, do it yourself, or as is often done in the Jeep world, you use it partially pay for an upgraded aftermarket part.

swamyg1 said:
Ok, I just want to make sure I get the most out of this. I just purchased a rMBP with my Amex Gold card. This is how I see it.

  1. Ride out the first 2 years with the 1 year Apple warranty plus the additional 1 year Amex gives me.
  2. Then purchase applecare just before year 2 is up, giving me an additional 2 years of protection.

This gives me a total of 4 years, which will probably cover the life of ownership for me, seeing how I typically use a machine for this amount of time.

Am I getting this right?
Click to expand...

No. You have to buy Applecare while still under the initial Apple warranty. I use Amex myself and am debating if I should shell out $250+ for Applecare on a MBPr if it's only really extending my coverage by 1 year.
 
swamyg1 said:
Ok, I just want to make sure I get the most out of this. I just purchased a rMBP with my Amex Gold card. This is how I see it.

  1. Ride out the first 2 years with the 1 year Apple warranty plus the additional 1 year Amex gives me.
  2. Then purchase applecare just before year 2 is up, giving me an additional 2 years of protection.

This gives me a total of 4 years, which will probably cover the life of ownership for me, seeing how I typically use a machine for this amount of time.

Am I getting this right?
Click to expand...

Nope. AppleCare extends your warranty to three years from the original purchase date of the computer, it's not based on when you purchase AppleCare. You also must purchase it before your original warranty expires, so you would not be able to purchase it if you wait until the AMEX extended warranty kicks in.

jW
 
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