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Resolved Anyone sucessfully used Credit Card "extended warranty" for a broken screen?

RetiredInFl

RetiredInFl

macrumors 68020
Original poster
Jul 7, 2008
2,455
249
FORMERLY NJ now FL
My 6S Plus took a major fall when I did the same on my run today. Besides a messed up arm and knee the screen shattered. My first broken screen ever going back many years. I took it to an Apple store and screen was promptly replaced for $159 (INC tax) which is quite reasonable no matter what the final result is.

Has anyone ever successfully submitted a broken screen under their credit card extended warranty despite the fact the phone is under factory warranty (but not for a broken screen) ? I am quite aware that "technically" it wouldn't be covered but I figured I'd give it a shot. Nothing to lose.

I contacted Discover and they took the claim and will be emailing me the forms to fill out. Just wondering if anyone has attempted this. Normally I use AMEX but Discover had the 10% rebate for Applepay when I got the 6S+ PLUS double cashback (another 10%) after 1 year which is this July for me,
 
Well the extended warranty from your credit card company is for manufacturer defects that warranty would normally cover if the device was still covered under manufacturer warranty. I'm pretty sure Discover, or any credit card company won't allow a claim if its still under manufacturer warranty. I've gotten Visa/Chase to process a claim for a dead battery. iPad was 18 months old, battery died due to manufacturer defect. Paid $79 to Apple and Visa/Chase refunded me the $79 because it was a warranted issue. Broken screen will fall under 'accidental damage' part of Discover benefits and can only be claimed within 90 days of purchase.
 
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Newtons Apple said:
So you broke your iPhone screen and want someone else to pay for fixing it?
Click to expand...


First off, it was a simple QUESTION and not an EXPECTATION. Second, absolutely 100% I would if they are willing. As long as I tell the truth about what happened (which i did) and they are willing to take the report and willing to pay, absolutely. We all deserve a break once in a while. I don't EXPECT anything but there certainly is no harm in making the effort. Sometimes a little effort reaps a reward.

LOL, I love all the "holier then thou" folks who troll the internet.
 
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Newtons Apple said:
So you broke your iPhone screen and want someone else to pay for fixing it?
Click to expand...

I believe he wants the protections afforded him by purchasing his iPhone with that particular credit card, out of the several he likely had to chose from, but used that specific card, which he likely applied for specifically because of promoted protections such as accidental damage and extended warranty coverage as marketed by the card issuer to get his business in the first place.
 
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If you charge your monthly phone bill on a Wells Fargo Credit Card, they will cover up to four phones on your carrier account for accidental damage and theft with a $25.00 deductible for as long as you continue those monthly charges.
 
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EDH667 said:
If you charge your monthly phone bill on a Wells Fargo Credit Card, they will cover up to four phones on your carrier account for accidental damage and theft with a $25.00 deductible for as long as you continue those monthly charges.
Click to expand...

It has to be setup as auto pay as well.
 
EDH667 said:
If you charge your monthly phone bill on a Wells Fargo Credit Card, they will cover up to four phones on your carrier account for accidental damage and theft with a $25.00 deductible for as long as you continue those monthly charges.
Click to expand...

Bhs1975 said:
It has to be setup as auto pay as well.
Click to expand...

By chance is this available with any other banking/credit card institutions? I really like the sound of this.
 
corys00 said:
By chance is this available with any other banking/credit card institutions? I really like the sound of this.
Click to expand...

It is an optional cardholder benefit offered by Visa. It's included in cards offered by some small banks and credit unions.

"You must be a valid cardholder of an eligible U.S. issued Visa card enrolled in the Cellular Telephone Protection benefit and charge your monthly Cellular Wireless Telephone bills to your eligible Visa card."
 
There are a few others that offer it but Wells Fargo seems to have the best coverage. "Cellular Telephone Protection is subject to a twenty-five dollar ($25.00) deductible per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $600.00 per claim and $1,200.00 per twelve (12) month period."
 
Newtons Apple said:
So you broke your iPhone screen and want someone else to pay for fixing it?
Click to expand...
What do you think car insurance is? You have a service that you sign up for and give money to, in exchange for them offering protection if you have expenses due to your own fault. His credit card company offers a service that extends the warranty, and possible covers damage as well. If they cover it, of course he should take them up on it.
 
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Ive always wondered how this worked, do you have to send the phone to them for repair/replacement or can you do it right away and then they will reimburse you the cost? I dont care if it takes awhile to get reimbursed but having to send it in and wait forever to get it back would suck.
 
As it turns out they WILL NOT cover it because their "extended warranty" only kicks in when the factory warranty has expired AND only if the factory warranty would have originally covered it. Since accidental damage is not covered by original factory warranty the Discover Card extended credit card coverage would not have covered it. Many other have reported (after Googling) that AMEX does very often cover this. I chose DISCOVER this time for the 10% + 10% + 1% rebate promotion so saving almost $200 was still to my benefit in the end. Normally Amex is my card of choice for any "technology" purchases.

I didn't really expect it but figured I would try and maybe get lucky. Nothing ventured nothing lost. Win some, lose some. :)

Case closed!
 
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TB07-NJ said:
As it turns out they WILL NOT cover it because their "extended warranty" only kicks in when the factory warranty has expired AND only if the factory warranty would have originally covered it. Since accidental damage is not covered by original factory warranty the Discover Card extended credit card coverage would not have covered it. Many other have reported (after Googling) that AMEX does very often cover this. I chose DISCOVER this time for the 10% + 10% + 1% rebate promotion so saving almost $200 was still to my benefit in the end. Normally Amex is my card of choice for any "technology" purchases.

I didn't really expect it but figured I would try and maybe get lucky. Nothing ventured nothing lost. Win some, lose some. :)

Case closed!
Click to expand...
You had to try. I use my Amex for this kind of stuff, actually I use it for anything and everything.
 
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geoff5093 said:
What do you think car insurance is? You have a service that you sign up for and give money to, in exchange for them offering protection if you have expenses due to your own fault. His credit card company offers a service that extends the warranty, and possible covers damage as well. If they cover it, of course he should take them up on it.
Click to expand...
car insurance has copay and points which make your insurance premiums go up for unwarranted claims, over time. This doesn't apply to a phone insurance, if it exists at all. which is why a blanket insurance for things like broken screens is bad idea since it can easily be misused. how do you distinguish between a person who dropped his phone accidentally, and someone who threw it on purpose?
 
EDH667 said:
There are a few others that offer it but Wells Fargo seems to have the best coverage. "Cellular Telephone Protection is subject to a twenty-five dollar ($25.00) deductible per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $600.00 per claim and $1,200.00 per twelve (12) month period."
Click to expand...
Does this only cover accidental damage and theft or lost too? Only reason I gave carrier insurance is for theft protection so I may cancel as I use my WF card to pay most bills.

Nevermind, searched it and no loss. Still seems worth it to cancel carrier insurance and go thru WF
 
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TB07-NJ said:
First off, it was a simple QUESTION and not an EXPECTATION. Second, absolutely 100% I would if they are willing. As long as I tell the truth about what happened (which i did) and they are willing to take the report and willing to pay, absolutely. We all deserve a break once in a while. I don't EXPECT anything but there certainly is no harm in making the effort. Sometimes a little effort reaps a reward.

LOL, I love all the "holier then thou" folks who troll the internet.
Click to expand...

Even asking is kind of ridiculous. You broke it, so pay to fix it. :rolleyes:
 
Between having WF coverage and purchasing my iPhones using an American Express card, I get the Apple Warranty extended by a year and have theft and damage protection.
 
TB07-NJ said:
My 6S Plus took a major fall when I did the same on my run today. Besides a messed up arm and knee the screen shattered. My first broken screen ever going back many years. I took it to an Apple store and screen was promptly replaced for $159 (INC tax) which is quite reasonable no matter what the final result is.

Has anyone ever successfully submitted a broken screen under their credit card extended warranty despite the fact the phone is under factory warranty (but not for a broken screen) ? I am quite aware that "technically" it wouldn't be covered but I figured I'd give it a shot. Nothing to lose.

I contacted Discover and they took the claim and will be emailing me the forms to fill out. Just wondering if anyone has attempted this. Normally I use AMEX but Discover had the 10% rebate for Applepay when I got the 6S+ PLUS double cashback (another 10%) after 1 year which is this July for me,
Click to expand...

I would have said at the outset that if this is "warranty extension" coverage, there's little hope of being covered for accidental damage (or theft/loss). What original manufacturer's warranty covers accidental damage?

The credit card company would/should have promoted accidental damage coverage as a distinctive feature, since the whole purpose of these coverages is to entice you to use their payment method rather than another. Accidental damage being as common as it is, accidental damage policies are far more expensive than warranty extension policies, so it'd be logical to promote accidental damage as the headline benefit of using that card. If you're walking around thinking, "I have warranty extension coverage," then that's likely as much as the credit card company will provide.
 
I have used my credit card's protection benefits after dropping a new iPad on a tile floor and cracking the screen. I was required to take the iPad to an Apple Store and get a printed repair estimate. After submitting the estimate, they mailed me a check. It was my first experience with making such a claim.

The language from the CCard company is this:
Shop with more confidence — you may be covered up to $1,000 per item, up to $50,000 per calendar year if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).​
 
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The banks technically owe the tax payer billions so I think they can pick up the tab for a broken screen lol. This type of insurance is something covered under their terms and conditions anyway.
 
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