I guess you can call me a laggard when it comes to staying up-to-date with technology – I’m one of those people who keeps items until they’re hanging on their last lifeline; I’m never in a rush to have the latest and greatest. Back in 2011, I caved in and bought myself an iPhone4 because I was tired of dealing with the ball on my Blackberry constantly getting stuck and driving me to frustration (remember those days?). Despite my initial fears of touch-screen, I was hooked on my new iPhone – it was a start of a new love (once you go Mac, you never go back…).
Fast forward 2+ years with the launch of the 4S and the 5, my humble iPhone 4 was still kicking – no plans for me to let go of this baby. Then it all happened – I jinxed myself. I started to noticed that my phone was operating at much slower speeds than the phones of my high-tech friends. I also noticed that my display screen was slowly fading away. It was time… and luckily I was able to sell my precious 4 on Craigslist for $150.
At the end of June, I drove myself to my local Verizon store and got myself a pretty little white iPhone5. Since I had an upgrade in place, the phone only cost me $200 and change. Of course the bargainista in me wanted to keep the cost as low as possible, so I proudly denied AppleCare and insurance. After all, AngelinaCare (I’m cheesy) kept my iPhone4 alive for so long that I was confident that my 5 would have the same future.
Or so I thought.
Within just 10 days of owning the phone, I opened my car door and my phone went from my lap to the sidewalk – a drop that measured a whole stinkin’ 12 inches. To my horror, the precious glass screen was in a million pieces! Oh no!
My first instinct was to go right back to Verizon, hoping that there was a 30-day warranty or something. Nope.
Next, I frantically posted on Facebook asking for advice – what do I do?!
Well there was a hero in the crowd, and you might know him. Gary Leff (View from the Wing) commented saying that the same thing had happened to him in the past. He suggested I looked into what credit card I had used and to look into filing a purchase protection claim. Brilliant!
Since I’m naturally on the prowl for the most points as possible with every transaction, I remembered that I used my Ink Plus card to earn 5x on my phone purchase. Luckily the Ink cards come with an incredible 90-day purchase protection plan. I called Chase immediately.
After a painless phone call explaining what had happened, Chase sent me a claim form to complete within 90 days. The refund of the repair would be issued in the form of a check if it was a valid claim.
I took my phone over to my local Apple store and had the screen replaced in less than 30 minutes for a final price of $159. I was delighted that my phone looked brand new again, as it should.
The story doesn’t end there, however. Only a few days after this whole ordeal, it happened again – can you believe it?!
The second time I was at a points and miles meet up in NYC. I was telling my story enthusiastically to a bunch of other points and miles junkies. I was raving about how awesome it was that Chase had my back… and… clunk… a nice 5 foot 2 inch drop (yes, that’s my height). The whole crowd gasped as they saw what had just happened – another shatter. Seriously, what the hell?! I even had a pretty expensive impact-absorbing case “protecting” my phone!
I was mad at myself – a broken phone not once, but twice – all within 2 weeks. What is wrong with me?
This required another visit to Apple. The employee pitied me, but not enough to repair my phone for free. I even tried batting my eyelashes (kidding). Another day, another $159 out of pocket.
Well, Chase was truly hero in this case. After submitting my claim to Chase and faxing over all supporting documents such as original receipts, statement copies, and repair invoices, I was delighted to find out that they offered to pay for both repairs. Wow!
Aside from all of the great points and miles benefits that come along with the card, knowing that they truly had my back in a hassle-free process really makes me smile. Hey, I might even pay the $95 annual fee once my free year is up! ;)
Have you ever had a similar experience with a successful purchase protection claim? If so, I’d love to hear about it!
- Current offer: 50,000 Ultimate Rewards points after spending $5,000 within three months
- Annual fee: $95, waived the first year
- Foreign transaction fees: none
- Card bonuses: 5x points on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services; 2x points on the first $50,000 spent annually at gas stations and on hotels
- Comments: The Ink Plus is a credit card while the Ink Bold is a charge card. Earn 5 points per dollar on office supplies, cellular/landline/ cable; 2X gas and hotels. Complimentary LOUNGE CLUBTM Airport Lounge Access (first two visits per year are free). Points transfer 1:1 to several airline/hotel partners including British Airways, United, Korean Air, Southwest, Hyatt, Marriott, Ritz-Carlton, Priority Club, Virgin Atlantic & Amtrak.