Amex replaced my iPhone and then some

barrett14

macrumors regular
Original poster
Jun 24, 2010
177
43
The rear camera on my iPhone 5 broke (hardware failure confirmed my apple store). The replacement cost for the phone through apple was $269 as my phone was out of its one year warranty. The original cost of the 64 gig phone was around $430 including tax.

American Express extends many manufacture warranties for the same period of time, after the originals warranty expires. I call Amex and give them all of the information regarding this case, and they credit my statement for the FULL $430. I explained to them that the replacement cost is $269 but all they cared about was the original purchase price.

Don't forget about Amex extended warranty people!!
 

dictoresno

macrumors 601
Apr 30, 2012
4,196
465
NJ
yea amex is pretty good with these things. when i got my skis stolen years ago, they refunded the card no questions asked. when i got my new chase united card i made sure they had a similar perk.
 

barrett14

macrumors regular
Original poster
Jun 24, 2010
177
43
You buy the 16 gigs for $199 plus tax. You'll pay the same $269 to replace it yet Amex will reimburse you only the price you paid for it ($199 plus tax), not quite covering the replacement cost.
ahh ok I gotcha. Thanks
 

barrett14

macrumors regular
Original poster
Jun 24, 2010
177
43
What keeps people from defrauding amex? Although I was ready with all documentation, amex never requested any proof that my phone was actually broken.
 

mobilehaathi

macrumors G3
Aug 19, 2008
9,347
6,218
The Anthropocene
What keeps people from defrauding amex? Although I was ready with all documentation, amex never requested any proof that my phone was actually broken.
I'm sure they reserve the right to audit your requests at any time. I also suspect that if you made a habit of it, you'd be subject to some scrutiny.
 

Eli727

macrumors member
Apr 23, 2012
59
1
Atlanta
Unless you have the Amex platinum card, in which case you'll get reimbursed the price you paid for it but you won't be able to replace a lost iPhone for $269. This is only for the first 90 days though.
Even the basic amx have this perk actually, not just platinum.

Amx is great.
 

JayLenochiniMac

macrumors G5
Nov 7, 2007
12,815
2,354
New Sanfrakota
Even the basic amx have this perk actually, not just platinum.

Amx is great.
Not for loss, only theft and accidental damage. Platinum covers loss, theft and accidental damage.

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What keeps people from defrauding amex? Although I was ready with all documentation, amex never requested any proof that my phone was actually broken.
No different from any other insurance fraud. If a customer makes a habit of defrauding Amex, they'll know it and start to request proof from that customer.
 

imaginex20

macrumors 65816
Jun 17, 2009
1,356
339
yep, I love American Express. I had a few occurrences where I had to get my phones replaced out of warranty and American Express reimbursed me for the costs.
 

617aircav

Suspended
Jul 2, 2012
3,974
815
You buy the 16 gigs for $199 plus tax. You'll pay the same $269 to replace it yet Amex will reimburse you only the price you paid for it ($199 plus tax), not quite covering the replacement cost.

So if I bought the phone for $650 plus tax they would pay me $650 plus tax even though it cost 269 to replace ?
 

aneftp

macrumors 601
Jul 28, 2007
4,247
463
So if I bought the phone for $650 plus tax they would pay me $650 plus tax even though it cost 269 to replace ?
It depends. It is stolen/theft in first 90 days, yes they will reimburse you (they probably need police report) the entire purchase.

But this is the "gotcha". If you brought it subsidized $199/299 pricing. Even if it's stolen in first 90 days. They will only reimburse you the subsidized prices you paid $199/299.
 

617aircav

Suspended
Jul 2, 2012
3,974
815
It depends. It is stolen/theft in first 90 days, yes they will reimburse you (they probably need police report) the entire purchase.



But this is the "gotcha". If you brought it subsidized $199/299 pricing. Even if it's stolen in first 90 days. They will only reimburse you the subsidized prices you paid $199/299.

I'm talking about after a year and the phone messes up. Will I be eligible for the full price I paid?
 

mattopotamus

macrumors G5
Jun 12, 2012
13,231
3,368
What keeps people from defrauding amex? Although I was ready with all documentation, amex never requested any proof that my phone was actually broken.
probably b.c they go after people with very good to excellent credit. Typically, these people are not in the game of scamming.

to the OP, I love my amex and use it for all of my purchases. Random, but the please pay by date is pretty comical. The bill is not really due until about 2.5 weeks later. Hold your monies!

You can use your amex to cover the deductible if you have applecare+, assuming you paid for applecare+ with the amex....or just do what you did and have it cover a repair.
 

NP9

macrumors newbie
Sep 21, 2013
24
0
The rear camera on my iPhone 5 broke (hardware failure confirmed my apple store). The replacement cost for the phone through apple was $269 as my phone was out of its one year warranty. The original cost of the 64 gig phone was around $430 including tax.

American Express extends many manufacture warranties for the same period of time, after the originals warranty expires. I call Amex and give them all of the information regarding this case, and they credit my statement for the FULL $430. I explained to them that the replacement cost is $269 but all they cared about was the original purchase price.

Don't forget about Amex extended warranty people!!
I just realized I have an American Express Platinum which I never used to purchase any of my Apple products (iPhones, iPads, MacBooks, AppleTVs).
Is this benefit applicable to all of Apple's products? It really interests me for future purchases.

In fact, Apple has just shipped me a new MacBook Air which I obviously didn't purchase with the Amex Platinum.

Appreciate your comments.