Has anyone used refund protection on an Amex card?

philip1427

agrinnall wrote: »

There's no such thing.

But it does seem in this case as if using your Amex card was a good move as it looks like your purchase is eligible for the refund. It doesn't say anything about having to hand over the goods to them so you may even end up with the jacket and your money back.

See section 1.2 here

https://www.americanexpress.com/uk/content/pdf/card-products/gold-charge-card/UK-Gold-Charge-Insurance-Documentation.pdf

Agreed there's no such a thing. It was completely my fault. I should have looked at my receipt more closely.

I find strange if they let you keep the item as well. Yes it's good in the short term but surely this policy is open to a lot of abuse

DCFC79

philip1427 wrote: »

Agreed there's no such a thing. It was completely my fault. I should have looked at my receipt more closely.

I find strange if they let you keep the item as well. Yes it's good in the short term but surely this policy is open to a lot of abuse

If people start go abuse it then AE would just close the account of the abuser.

bris

philip1427 wrote: »

They extend your refund period to 90 days despite what the retailer offers.

Strange I can only find accidental damage or theft insurance for 90 days, which obviously doesn't apply here. Where is the part that says they extend a return period? I missed it somewhere down the line.

philip1427

DCFC79 wrote: »

If people start go abuse it then AE would just close the account of the abuser.

Very true! And I hope that Amex would!

On further inspection of the T&Cs there's a £1000 annual cap on claims. Maybe this isn't a lot to some but I still think this is quite generous

PeacefulWaters

philip1427 wrote: »

This has nothing to due with finding difficultly on returning a faulty item to a store. Amex offers a service called refund protection to its gold and platinum card holders whereby if they offer an extended 90 day returns policy up to the value of £300 per item. For example you can use this service if you are outside the returns policy of the store. You can read more about it at Amex's website if you still need more information

Sometimes I have to hold my hands up and accept that I'm wrong.

My apologies.

For what it's worth, I've just had a very hassle free hire car excess claim pay out from AMEX. Not the same as your requirements, but a positive sign.

Good luck.

agrinnall

bris wrote: »

Strange I can only find accidental damage or theft insurance for 90 days, which obviously doesn't apply here. Where is the part that says they extend a return period? I missed it somewhere down the line.

Did you read the section I listed in the link that I posted?

1.2 REFUND PROTECTION
YOUR BENEFITS
This benefit applies to items purchased on the
Card Account for personal
use that have had no previous owner and were not purchased privately. Only
items purchased from a retailer operating in the UK with premises at a UK
address are covered.
If a retailer will not take back an unused item You
purchased on the Card Account
within 90 days of purchase,
You will be paid the purchase price of the
item or £300, whichever is the lower.
You will only be paid up to a maximum of
£1,000 under this Refund Protection Section 1.2 in any 12 month period.