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[Updated With More Changes] Major Changes Are Coming For American Express Benefits! Master Chart Of Whatís 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.

Author Topic: AMEX Return Protection: Did They Make You Return The Item?  (Read 1253366 times)

Offline idkmybffjill

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4220 on: May 20, 2023, 04:45:07 PM »
How did I not know this? So if I add 10 AU to my EDP I get 10k in RP? Or only Plat AU

Where do you even find 10 AUís to add to a personal card? FYI there are reports online of AmEx sending a G4S rep to investigate cardholders who they feel are abusing return protection (and purchase protection). Have seen Reddit threads on this, they will make you start sending all of the items back.

Offline HoKo

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4221 on: May 20, 2023, 05:22:59 PM »
Where do you even find 10 AUís to add to a personal card? FYI there are reports online of AmEx sending a G4S rep to investigate cardholders who they feel are abusing return protection (and purchase protection). Have seen Reddit threads on this, they will make you start sending all of the items back.

What is G4S?

Offline idkmybffjill

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4222 on: May 21, 2023, 12:32:53 AM »
3rd party security/investigation firm that AmEx uses to look into cardholders who they feel are abusing the insurance benefits.

Offline zaltz

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4223 on: May 21, 2023, 12:41:43 AM »
Where do you even find 10 AUís to add to a personal card? FYI there are reports online of AmEx sending a G4S rep to investigate cardholders who they feel are abusing return protection (and purchase protection). Have seen Reddit threads on this, they will make you start sending all of the items back.
What do you call abusing it?

Offline solmeir

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4224 on: May 21, 2023, 02:42:35 PM »
Lol. I only use RP if I'm ready to actually give up the item. Keeping it is only a bonus

Offline HoKo

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4225 on: May 21, 2023, 05:19:23 PM »
3rd party security/investigation firm that AmEx uses to look into cardholders who they feel are abusing the insurance benefits.

Interesting, do you know the approximate threshold for "abuse" ?

Offline idkmybffjill

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4226 on: May 21, 2023, 06:59:21 PM »
What do you call abusing it?

Thousands and thousands of dollars consistently over time. If you have 10 cards that youíre maxing out every year on return protection, I have to imagine youíre on their radar lol. $10K a year in items you are having to return would raise red flags. Referencing the person who said they had 10 AUís on their EDP that they max out lol

Offline coolmuke

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4227 on: May 22, 2023, 09:37:04 AM »
Any experience with Geek squad certified refurbished? Terms mentions New. Not sure if it referring to used.

Offline HoKo

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4228 on: May 22, 2023, 10:00:18 AM »
Does anyone have data points for Indochino (or any similar style clothing companies)?

Amex RP terms state the following exclusions:

-One of a Kind items
-Custom built items

So I am not particularly optimistic that indochino would qualify... but i'm interested to hear if anybody has personal experience?
« Last Edit: May 22, 2023, 10:10:27 AM by HoKo »

Offline Fish Tank

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4229 on: May 22, 2023, 10:39:43 AM »
Any experience with Geek squad certified refurbished? Terms mentions New. Not sure if it referring to used.
Used/Refurbished items are not eligible for RP?


Offline HoKo

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4230 on: May 22, 2023, 01:09:00 PM »
Used/Refurbished items are not eligible for RP?

WRT used, from their T&C: "purchased used and/or altered items (including, but not limited to, purchases at auction sites and second- hand stores)"

Offline Fish Tank

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4232 on: May 22, 2023, 01:26:01 PM »

Offline eternity88

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4233 on: May 29, 2023, 02:28:06 AM »
I purchase an iphone that I need to return but I paid the purchase partially with gift card, will return protection still work? Anyone tried?

Offline mmgfarb

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4234 on: May 29, 2023, 02:31:59 AM »
I purchase an iphone that I need to return but I paid the purchase partially with gift card, will return protection still work? Anyone tried?
You can try but the terms say it needs to be purchased fully on the Amex card.
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Offline HoKo

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4235 on: May 29, 2023, 09:50:55 AM »
I purchase an iphone that I need to return but I paid the purchase partially with gift card, will return protection still work? Anyone tried?

Also keep in mind Return protection is limited to $300 per item

Offline efflpetzel

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4236 on: May 31, 2023, 03:08:42 AM »
I just spoke with amex assurance, they confirmed every additional authorized user gets their own coverage.
On which type card did they confirm this?

Have they approved a claim on an authorized user card after reaching 1k limit on the card holder account?

Offline idkmybffjill

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4237 on: June 07, 2023, 06:00:50 PM »
Anyone know if something like unused paper towels would count?

Offline 1najol1

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4238 on: June 08, 2023, 02:01:18 PM »
Anyone know if something like unused paper towels would count?
Donít think itís eligible. According to T&C are excluded ďpurchases that are consumable or have a limited life span like food, perfume, light bulls, batteries, etc.Ē

Offline idkmybffjill

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Re: AMEX Return Protection: Did They Make You Return The Item?
« Reply #4239 on: June 08, 2023, 02:54:44 PM »
Donít think itís eligible. According to T&C are excluded ďpurchases that are consumable or have a limited life span like food, perfume, light bulls, batteries, etc.Ē

That's what I was thinking too, but technically, paper towels don't go bad on their own?