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[Updated With More Changes] Major Changes Are Coming For American Express Benefits! Master Chart Of What’s Being Added And Removed - https://www.dansdeals.com/credit-cards/major-changes-coming-american-express-benefits-master-chart-whats-added-removed/


$300 per item, 1K per card per year. So if you have an SPG card and a PRG card you'll only have 2k of total RP coverage, regardless of how many AUs you have on each card.

If you are unsure if an item qualifies for RP, then instead of asking for opinions here (slightly better than asking medical advice on facebook mind you), PUTPAC and ask the RP reps. You don't need to give your name or card info, just say you have an item or you will be buying an item and the store has a crappy return policy and want to make sure if there is a problem you can return it.


Direct number: 800-225-3750

Link to Claims Center: https://online.americanexpress.com/myca/onlineclaims/us/onlineclaims.do?request_type=authreg_onlineclaims&intlink=us-ser-onlineclaims-welcome-claimscenter
or
Return Protection:  www.americanexpress.com/return This is for when, in the first 3 months, the original seller won't accept a return, and the product is still in new condition.
Purchase Protection:  www.americanexpress.com/purchase This is for when, in the first 3 months, a purchase is lost, stolen, or broken.
Extended Warranty: www.americanexpress.com/warranty This covers only what the original warranty covers and extends it for up to 1 year.

Amex can approve RP claims even after the card is closed/cancelled, though YMMV.

CLICK HERE to see the full T&C for the Return Protection on your specific Amex card.
« Last edited by WonderingYid on December 27, 2021, 05:36:09 PM »

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Author Topic: AMEX Return Protection: Did They Make You Return The Item?  (Read 1188286 times)

Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2200 on: March 03, 2016, 09:34:18 AM »
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Offline zlt123

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2201 on: March 03, 2016, 10:55:06 AM »
Got approved today after a month for a SSD from Amazon $140, did not have to return the item.
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Offline puddles

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2202 on: March 03, 2016, 01:39:25 PM »
I want to buy something on sale for my wife from a Frum owned store. Issue is their sale is fine and no returns or exchanges. I honestly feel guilty buying something that has a 50/50 chance of being returned.
Am I doing anything wrong with Amex by making this purchase?
Will the store be charged if I file the claim and it is approved?

Thanks.
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Offline benjie1305

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2203 on: March 03, 2016, 02:34:43 PM »
Quote from: puddles on March 03, 2016, 01:39:25 PM
I want to buy something on sale for my wife from a Frum owned store. Issue is their sale is fine and no returns or exchanges. I honestly feel guilty buying something that has a 50/50 chance of being returned.
Am I doing anything wrong with Amex by making this purchase?
Will the store be charged if I file the claim and it is approved?

Thanks.

Amex pays this out of their pocket if you get approved for the return protection.
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Offline hide4

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2204 on: March 03, 2016, 07:43:46 PM »
Quote from: benjie1305 on March 03, 2016, 02:34:43 PM
Amex pays this out of their pocket if you get approved for the return protection.
Doesn't their insurance company pay?
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Offline AJK

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2205 on: March 03, 2016, 08:43:02 PM »
Quote from: hide4 on March 03, 2016, 07:43:46 PM
Doesn't their insurance company pay?

Correct.

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Offline B.D.Da'ehu

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2206 on: March 03, 2016, 09:15:29 PM »
Filed a claim over a month ago for a suit from Saks off fifth bought for $200. Just got credited and wasn't told to return it.
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Offline theblakdavid

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2207 on: March 03, 2016, 09:16:57 PM »
Quote from: B.D.Da'ehu on March 03, 2016, 09:15:29 PM
Filed a claim over a month ago for a suit from Saks off fifth bought for $200. Just got credited and wasn't told to return it.
You bought one of those suits on sale? I bought two and I love them! Why you returning?
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Offline B.D.Da'ehu

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2208 on: March 03, 2016, 09:34:10 PM »
Quote from: theblakdavid on March 03, 2016, 09:16:57 PM
You bought one of those suits on sale? I bought two and I love them! Why you returning?
I actually bought 3 ;). I wanted to return the Navy one.
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Offline skyguy918

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2209 on: March 03, 2016, 11:46:49 PM »
Quote from: stbaum on February 01, 2016, 10:08:56 AM
Quote from: hide4 on January 29, 2016, 01:38:33 PM
If there's a return shipping fee is that eligible for rp?
ime no. you would need to wait till the company no longer accepts the return and then file a claim (within the 90 days of course)
Does this always work? I want to buy a fairly expensive (~$250) and large item from a site with 30 day return policy + buyer pays return shipping - so that idea sounds perfect for me if it always works.
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Offline stbaum

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2210 on: March 03, 2016, 11:48:21 PM »

Quote from: skyguy918 on March 03, 2016, 11:46:49 PM
Does this always work? I want to buy a fairly expensive (~$250) and large item from a site with 30 day return policy + buyer pays return shipping - so that idea sounds perfect for me if it always works.

No such thing as always. Read through the thread. Lots of mixed cases. It should work but there's no guarantee
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Offline starbucks_lover

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2211 on: March 07, 2016, 11:44:00 AM »
I put in a return protection claim for a luggage bag that I ended up not using for a trip. It's outside the 60-day return window but within the 90-day return window.

Anyway, I faxed in the requested receipts. An hour later, I noticed a missed call from 800-645-9700, which is apparently Amex Assurance. They also left a voicemail asking me to call to because they have "some information to review" with me regarding my claim.

Can't call until later in the day. Any idea what's up? Seems like a very simple claim, so not sure what the issue is.
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Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2212 on: March 07, 2016, 12:08:12 PM »
Quote from: starbucks_lover on March 07, 2016, 11:44:00 AM
I put in a return protection claim for a luggage bag that I ended up not using for a trip. It's outside the 60-day return window but within the 90-day return window.

Anyway, I faxed in the requested receipts. An hour later, I noticed a missed call from 800-645-9700, which is apparently Amex Assurance. They also left a voicemail asking me to call to because they have "some information to review" with me regarding my claim.

Can't call until later in the day. Any idea what's up? Seems like a very simple claim, so not sure what the issue is.
Why do you want to return it? Why won't they take it back. What condition is it in. That's all they wanna know.
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Offline starbucks_lover

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2213 on: March 07, 2016, 12:24:17 PM »
Quote from: noturbizniss on March 07, 2016, 12:08:12 PM
Why do you want to return it? Why won't they take it back. What condition is it in. That's all they wanna know.

Indeed. Just called on my lunch break. They basically just had me go over the information I had already provided to them on the claim form. They also hadn't actually processed my receipt.

This makes me think that it's probably a better idea just to file a claim over the phone, if submitting a claim (or at least in this case a high value claim of over $300) online will just result in a follow up call from Amex Assurance.
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Offline noturbizniss

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2214 on: March 07, 2016, 12:53:20 PM »
Quote from: starbucks_lover on March 07, 2016, 12:24:17 PM
Indeed. Just called on my lunch break. They basically just had me go over the information I had already provided to them on the claim form. They also hadn't actually processed my receipt.

This makes me think that it's probably a better idea just to file a claim over the phone, if submitting a claim (or at least in this case a high value claim of over $300) online will just result in a follow up call from Amex Assurance.
Meh. Takes longer over the phone. Receipt takes about 48 hours to process.
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Offline IsraelGuy

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2215 on: March 10, 2016, 03:58:22 PM »
Is there a list of which amex cards have RP?
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Offline benjie1305

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2216 on: March 10, 2016, 04:00:14 PM »
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Offline talkitup90

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2217 on: March 10, 2016, 04:01:21 PM »
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Offline rileywiles23

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2218 on: March 10, 2016, 04:22:27 PM »


Quote from: starbucks_lover on March 07, 2016, 12:24:17 PM
This makes me think that it's probably a better idea just to file a claim over the phone, if submitting a claim (or at least in this case a high value claim of over $300) online will just result in a follow up call from Amex Assurance.
Not all online claims require a phone call.

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Offline newdealseeker

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #2219 on: March 10, 2016, 10:00:53 PM »
Quote from: rileywiles23 on March 10, 2016, 04:22:27 PM
Not all online claims require a phone call.
+1
And not all phone claims do NOT require a phone call...
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