Tens of millions of U.S. credit cards come with standard offers and protections that can save you serious quantities of hard cash. And yet many Americans may be missing out on these benefits simply because they aren't aware that they have them. For example:
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Suppose you buy a new mp3 player, and accidentally break it -- or maybe it's stolen -- two or three months later. Did you know that many cards will protect you against your loss?
Or your dishwasher breaks down a few months after its manufacturer's warranty expires. There's a good chance your credit card offers an extended warranty that could cover you for up to a year after that expiration.
Are you fed up paying for collision damage waivers when you rent cars? If so, check your card issuer's website. Many provide you with cover that allows you to decline those waivers.
Of course, you have to have paid for the product or service you're claiming for with the card that's offering the protection. And you need to check the issuer's relevant terms and conditions before relying on its cover. But it's these sorts of perks and privileges that often make credit cards by far the safest and best way of paying for purchases.
Extended warranties, purchase protection and so on may not be as exciting and memorable as meeting Alicia Keys, but there are times you may find them more valuable.
Source:
Insure.com
