AMEX Return Protection: Did They Make You Return The Item?

[Yehudaa]

I just want to be 100% sure- if I make a return protection claim, there’s no loss to the merchant, correct?

Thinking of ordering something from a frum store with a very short return window, and will want to use return protection if it doesn’t fit and I don’t get it back in time. However, I wouldn’t want to use the return protection if there’s any chance to loss to the merchant.

[Realshlomo]

I just want to be 100% sure- if I make a return protection claim, there’s no loss to the merchant, correct?

Thinking of ordering something from a frum store with a very short return window, and will want to use return protection if it doesn’t fit and I don’t get it back in time. However, I wouldn’t want to use the return protection if there’s any chance to loss to the merchant.

It's insurance that would pay you. The merchants transaction is unaffected.

[Yehudaa]

It's insurance that would pay you. The merchants transaction is unaffected.

Thanks. Figured as much, but wanted to confirm.

[jl75]

is return protection for 1k for all cards on the account or is it 1k per user? meaning if i have au's on the account, do they each get thier own 1k limit or is it total 1k for all users?

It's $1,000 per account, whether you have no authorized users or five or ten. So if you only have one AmEx card--say, a Platinum card--then you have $1,000 total Return Protection available per calendar year. If you have two cards with Return Protection--say, a Platinum card and a Hilton Aspire card--then you have $2,000 total Return Protection--$1,000 per account--regardless of how many authorized users you might have.

[Yikes2179]

It's $1,000 per account, whether you have no authorized users or five or ten. So if you only have one AmEx card--say, a Platinum card--then you have $1,000 total Return Protection available per calendar year. If you have two cards with Return Protection--say, a Platinum card and a Hilton Aspire card--then you have $2,000 total Return Protection--$1,000 per account--regardless of how many authorized users you might have.

Is that true even for a platinum AU?

[cholent]

It's $1,000 per account, whether you have no authorized users or five or ten. So if you only have one AmEx card--say, a Platinum card--then you have $1,000 total Return Protection available per calendar year. If you have two cards with Return Protection--say, a Platinum card and a Hilton Aspire card--then you have $2,000 total Return Protection--$1,000 per account--regardless of how many authorized users you might have.

Incorrect, each au card with its own card number (as they all have with Amex) has its own limit

[Spoon]

Incorrect, each au card with its own card number (as they all have with Amex) has its own limit

How did I not know this? So if I add 10 AU to my EDP I get 10k in RP? Or only Plat AU

[Realshlomo]

Incorrect, each au card with its own card number (as they all have with Amex) has its own limit

No way!

Every Gold AU on Platinum has $1,000 too?

[1najol1]

Incorrect, each au card with its own card number (as they all have with Amex) has its own limit

Are you sure about that?.

[cholent]

Are you sure about that?.

Yes

[HoKo]

Incorrect, each au card with its own card number (as they all have with Amex) has its own limit

How did I not know this? So if I add 10 AU to my EDP I get 10k in RP? Or only Plat AU

Right, almost seems too good to be true

[SimchaCC]

Yes

+1
With many frum stores having 3-7 day return policies, I go through multiple AUs worth of credit every year. Amazon amex, no annual fee.

[Realshlomo]

I just spoke with amex assurance, they confirmed every additional authorized user gets their own coverage.

[HoKo]

I just spoke with amex assurance, they confirmed every additional authorized user gets their own coverage.

Nice. Thanks for putting in the legwork and confirming.

And it's not just limited to the Plat card AU's, right?

[HoKo]

+1
With many frum stores having 3-7 day return policies, I go through multiple AUs worth of credit every year. Amazon amex, no annual fee.

I'm confused, isn't the Amazon credit card issued by chase?


Disregard, I googled it. I didn't realize Amex issued a biz version.

[Realshlomo]

Nice. Thanks for putting in the legwork and confirming.

And it's not just limited to the Plat card AU's, right?

Seemed to be across the board. They told me they consider each cardholder as a separate card member for the limits.

[HoKo]

Seemed to be across the board. They told me they consider each cardholder as a separate card member for the limits.

Gotcha, learn something new everyday 

[Realshlomo]

Gotcha, learn something new everyday 

Same, all this time I read per card account as main account holder.

[1najol1]

What about on business employee cards, it’s also 1K  per employee? Or only on personal authorized users?

[idkmybffjill]

+1
With many frum stores having 3-7 day return policies, I go through multiple AUs worth of credit every year. Amazon amex, no annual fee.

What’s a frum store? Are you’re basically milking thousands of dollars a year? Lol.