iPhones 6/6 Plus bought w/Amex + Warranty + Purchase Protection

Discussion in 'iPhone' started by ltb7, Sep 22, 2014.

  1. ltb7, Sep 22, 2014
    Last edited: Sep 23, 2014

    ltb7 macrumors 6502

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    #1
    jrui no onna is CORRECT

    sincerely sorry.....

    called amex warranty managers a few times, each time was told all same info that i posted

    asked for a supervisor and rec'd the same answer - pointed out what jrui no onna posted, i was then put on hold and Lisa, a supervisor in Oklahoma (ID 6267) apologized profusely for any of the previous information that the whole entire department had given out

    pointing out this clause to Lisa, led to an urgent meeting of 4 supervisors who then determined, that unless all costs for the iPhone are paid in full they will NOT cover an iPhone that has ANY payments left on it


    if you buy your device on your amex card either in full or through a carrier with a lease option that is PAID in full, amex WILL extend the warranty.......so if there is a problem during Year 2, any balance due on the iPhone must be PAID in order for Amex to extend the warranty and accept a claim on an iPhone

    if you have paid in FULL for an iPhone, it is covered ONLY for the amount that has been paid on the amex card, any credits or non amex payments will NOT factor into the claim amount IF there is a claim during Year 2 with the iPhone

    if you are on a monthly plan such as NEXT/EDGE and pay each month on your amex card, the iPhone will NOT be covered in Year 2, UNTIL you pay in FULL.....once it is paid, the iPhone is FULLY covered up to the amount paid on the amex card

    this is all subject to change at any time, as of today, this is the deal



    ******************
    in addition to above there is also 90 days of full coverage of your device by Amex + their Purchase Protection program and requires no fees nor enrollment - helps protect eligible purchases made on amex cards against accidental damage or theft, for up to 90 days from the date of purchase

    link is here

    again, check with your amex first + thx lke




    if you have an amex, def worth it to try to use it for purchase - as you receive these benefits with your card regardless of if you use it or not.....
     
  2. ericg301 macrumors 6502a

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    #2
    so wait, even if i got a device for $0 down...they'll still cover it? only if i pay my bill with AMEX? or just because im a member.

    i've used the extended warranty in the past, but that was paying the subsidized $199/$299 at contract time.
     
  3. JayLenochiniMac macrumors G5

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    #3
    I don't think this is correct. If you put $0 down, you'll get reimbursed $0. They'll reimburse you only up to the purchased price, whether it's the subsidized price or the full retail price.
     
  4. ltb7 thread starter macrumors 6502

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    #4
    YES! whatever amount you pay during the first 12 months for the iPhone is covered - if you pay $500 in a year on your ATT bill (or any other carrier) then the amount you paid will be available to you - so you would extend the warranty by another year and they will cover the $500 (just picked a number for example)

    you MUST pay your bill each month with your AMEX as if you need to make a claim during year 2, they will check with ATT to confirm the total amount of iPhone payments made..they are well aware of all of the new plans....

    best case scenario is pay to iPhone by the 12 months as then you will get full price of phone + sales tax back to your card as a credit if you have to make a claim during year 2 - with iPhones specifically, Amex does a credit, so if there is a new iPhone out, you would not be forced to have the one you had this year, you could use to buy the latest model.....

    i do not see any reason to get apple care either....
     
  5. JayLenochiniMac macrumors G5

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    #5
    Please cite your source on this. This is the first time we're hearing such a thing.

    My search brought up https://community.americanexpress.com/thread/5125 Still unverified even by an Amex rep.
     
  6. ltb7, Sep 22, 2014
    Last edited: Sep 23, 2014

    ltb7 thread starter macrumors 6502

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    #6
    100% correct - say you are on ATT next and pay $30 each month for an iPhone and $70 for service and pay the bill with your Amex card, they will cover the amount you paid during your first 12 months only no matter from apple, tmobile, ATT or any carrier - they will call or request you send a printout from carrier to confirm amount of payments made only to iPhone

    people in 2 year contracts who pay $200 upfront, always try to say that their service is part of phone cost, they will not accept iPhone payments that are not part of the bill and they will never cover any part of service

    this is all phones as well, not just iPhones and electronics, if you have question just call + they can confirm everything your card offers, for example platinum cards have extras for example if you lose a iPhone, they will cover - if iPhone is lost on gold cards they will not cover

    ----------

    20+ years with amex, my parents had me open very young to learn + a phone call with a manager at Amex in specifically the warranty division + used it about 7 years ago when a samsung flatscreen died during year 2 and amex had the newest samsung model in my home a few days later to replace it....

    you should always buy anything dealing w/warranties like electronics purchases with amex, they will always help you, always

    ***there you go call them at 800-225-3750 or number on your card***

    i would never ever post a thread with misinformation as i would never want anyone to have an issues - call them for sure, i know there are blue cards + many other cards so def check as i don't know what card you have - i believe blue has same policy but as for gold, platinum + black this is for sure
     
  7. JayLenochiniMac macrumors G5

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    #7
    That's anecdote, not a source. Please cite an official source verifying your claim.
     
  8. ltb7, Sep 22, 2014
    Last edited: Sep 22, 2014

    ltb7 thread starter macrumors 6502

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    #8
    dude, take 10 minutes, call your amex card number or the number above, i am trying to help you - if you need to get a source document, if you so desire one, by all means request from Amex, i am sure they would be happy to help

    ***btw, people like you make me not want to take the time to do all the work and post then share info to help others here, when you make a comment such as "cite an official source verifying your claim" you waste my time, instead of demanding an "official source" from me who is trying to help with clear + consise information - are you just too bloody lazy to call the "official source" + take 10 mins of your time to ask any questions you have?*****
     
  9. lke macrumors 6502a

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    #9
  10. carjakester macrumors 68020

    carjakester

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  11. ltb7 thread starter macrumors 6502

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    #11
    it's amazing! 90 days! was going to update my first post with this as well! so many people are so nice here, in no mood to deal with someone who can't be bothered to make a quick call....

    thanks for posting, do you mind if you put your SOURCE in first post? thx :)

    ----------

    that's awesome! when i did the math with apple care it just made no sense for me to do since my iPhone will be covered the 2 years i plan on having it - i thought this was really important as the iPhone 6+ and iPhone 6 seem so slippery, plus protruding camera + such.....
     
  12. JayLenochiniMac macrumors G5

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    #12
    No, if you're going to make a claim, the burden is on you, as the OP, to provide a source to back it up.
     
  13. lke macrumors 6502a

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    #13


    Please include this info on top it is very useful. Sometimes you forgot about this great things even if you have buy your iphone with this credit card
     
  14. ltb7 thread starter macrumors 6502

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    #14
    do me a favor and get off this thread, move on.......

    since according to your logic if "burden is on me, as the OP" then i don't want to deal with YOU being a burden to me and i kindly ask you to refrain from posting here - if my post is not to your liking then there are 1000's of others that i am sure you could find meeting your demands :p
     
  15. ghsNick macrumors 68020

    ghsNick

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    #15
    It only covers accidental coverage for 90 days. The extra year is for software/battery/etc.
     
  16. JayLenochiniMac macrumors G5

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    #16
    You do not own this thread; however, you're not doing the MR community a favor by refusing to reveal your source. Many members would love to know if Amex Extended Warranty coverage in fact applies to at&t Next with $0 down. You haven't told us how you know this for a fact.
     
  17. ericg301 macrumors 6502a

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    #17
    Either way, I went ahead and changed my payment method from my checking account to my Amex.
     
  18. MrXiro macrumors 68040

    MrXiro

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    #18
    Rather than criticize why don't you just call and find out yourself? He's only informing us of what was told to him. He's not AMEX so he wouldn't have 100% proof no matter how much "evidence" he shows you.

    Ike posted a link above and the OP posted a phone number for you to verify. So call and prove him wrong or just stop posting here, you're doing nothing but trolling at this point.

    I on the other hand have taken advantage of AMEX's generous warranty service before.
    Not the payment plan thing, that is news to me and I wish I had known about it before dropping $325 down payment on my phone instead of 99. But either way I'm covered now.

    Thanks OP.

    ----------

    Just to make things clear in my case. I paid $250 down and 72 in Taxes for a total of $322 and then I have a payment of 20.80 a month. You're saying AMEX will cover the first 12 months of payments so I'm covered for $571.60 (sum of 20.80 X 12 (249.60) + $322)?

    Is that correct?
     
  19. JayLenochiniMac macrumors G5

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    #19
    The problem is he hasn't told us how he learned of this. The OP would be taken much more seriously if an Amex rep informed him of this rather than just some hearsay from a third party. Otherwise, the OP isn't doing us a favor by posting something that may or may not be true as a fact, especially in an OP. Hence my inquiry as to the source of this claim, which isn't meant to be taken as a criticism.
     
  20. rui no onna macrumors 601

    rui no onna

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    Oct 25, 2013
    #20
    Extended Warranty Terms for the Amex Costco Card:
    One thing I didn't know:
    Looks like if you get AppleCare+, you can get 3 years total coverage for your device. That's good for folks who tend to keep their devices for a long time. :)
     
  21. JayLenochiniMac macrumors G5

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    #21
    Thanks for posting this. Based on this, Amex Extended Warranty coverage does not apply to at&t Next with $0 down.

    Yes, that's another great thing about Amex as long as the purchased service contract is provided by the manufacturer (which applies to AC+ but not, say, a Best Buy extended service contract). It'll mirror the standard one-year warranty at the end of AC+ coverage, giving you three years of protection.
     
  22. MrXiro macrumors 68040

    MrXiro

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    #22
    My point is that you could have done the exact same thing as the person you're responding to, to prove the OP wrong. Repeatedly asking where he heard of this is trolling when he gave you the number to call and to verify yourself.

    ----------

    I thought AppleCare+ is 2 years... not 2 "Additional Years" but "2 years total" which means it's actually a 1 year extension. At least it used to be... I don't buy warranties. I've taken my chance over since 1999 and have never broken a single phone outside of manufacturer defect.
     
  23. JayLenochiniMac macrumors G5

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    #23
    No, if you're going to present something as a fact in an OP (or a published paper, article, manuscript, etc.), you need to be prepared to back it up with a source.
     
  24. ltb7 thread starter macrumors 6502

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    #24
    YES $571.60 is the most coverage you could receive from amex for Year 2, unless you choose to pay more or in full before 12 months in which case you would be fully covered for amount of your iPhone...the charge on your bill must be for the iPhone and not for service + you always have to pay with amex card

    for example, i have a credit now with ATT so instead of using that toward my iPhone cost, i will let my credits pay for service and "over pay" my bill to match the monthly cost of my iPhone for the next 2 months - i will then pay the rest of the cost of my iPhone in full so I will then own my phone.....as long as Amex can see that the required iPhone payment matches the payments i made on my amex and confirm the balance being paid before 12 months, i will then have full iPhone coverage with amex on year 2....which for me will be $899.94 w/tax

    i plan on having my iPhone for 2 years, i won't buy applecare, i may not ever need amex but if i do i will have the full amount of my iPhone available in coverage from amex and will let my credits cover my service costs......



    if a person did a 2 year contract with upgrade and bought an iPhone for $300, they would only be covered in year 2 for $300 as amex will not count service as being part of paying for iPhone but with a lease option with monthly payments, they will add all costs made to your iPhone in first 12 months and that is the amount you would be covered by in year 2
     
  25. JayLenochiniMac macrumors G5

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    #25
    2 years of AC+ plus 1 year of extended warranty provided by Amex for a total of 3 years of coverage.
     

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