Discover card Shop Smart new built-in shopping benefits

Quote from SDRebel : Anyone knows how to use the 90 day return? The clerks wont know about it Im sure somehow discover eats the difference/restocking, not the business

Overview
Return Guarantee offers the option to return, for a refund, any qualifying item recently purchased in full with a Discover card (and/or accrued Cashback Bonus or Miles) when the original store will not issue a refund. Dissatisfaction over the item must be for a covered reason. Keep this coverage description for your records.

Detailed Description
If a Cardmember is dissatisfied with a purchase made with a Discover card (or accrued Cashback Bonus or Miles) for a reason other than improper functioning and the store does not provide a refund, Return Guarantee can provide you a refund. The Cardmember should first seek a refund from the store or online retailer and then contact Claims Administration within 90 days of the original purchase date. Most new, non-commercial, retail products that are purchased in full with an eligible Discover card (and/or accrued Cashback Bonus or Miles) are eligible for this benefit. The item still needs its original packaging and should be in good condition and in working order.

BENEFIT LEVEL:
There is a per item limit of $500 and an annual program payment limit of $2,500 per account. Payment is made net of any applicable taxes, storage, shipping, handling and postage charges.

Who is Covered
This coverage is provided to Discover Cardmembers whenever they use their Discover card (and/or accrued Cashback Bonus or Miles) for the entire purchase price of a covered item. No registration of the covered purchase is necessary.

Cost
This plan is provided at no additional cost to Discover Cardmembers.

Claims Process

Who to Contact
If an item does not function properly, please contact the manufacturer. Otherwise, if the Cardmember is unable to obtain a refund from the store within 90 days of purchase, benefit and claim information is available by contacting Discover at 1-800-DISCOVER (1-800-347-2683), Monday through Friday, 8 a.m. to 8 p.m. (ET) and Saturday from 8 a.m. to 12 p.m. (except holidays).

Claim Notice Deadline
You must report the claim within 90 days of the original purchase date or the claim may not be honored.

Claim Submission Deadline
All necessary documentation must be postmarked within 30 days of the request for the claim form. Any additional documentation must be received within 60 days of the request for such information in order for the claim to remain eligible for payment.

Proving a Loss
Submit the following documentation by the Claim Submission deadline:

Completed and signed claim form.
The Discover card statement showing the entire original purchase price.
The sales receipt indicating the date, the store, the item and the amount of purchase.
Written documentation from the store manager or equivalent on store letterhead documenting the refusal to accept the returned item.
The item must be returned to Claims Administration before any claim will be paid. You will be responsible for all mailing costs.
Claim Payment
Reimbursement for eligible claims will be mailed to the Cardmember within 15 days.

Exclusions and Limitations
The Return Guarantee program applies only to items purchased in the United States of America, including Alaska and Hawaii. This program does not cover any of the following:

Claims made on purchases made before 11/1/2012
Products used for commercial or business use
Fraud, abuse, intentional acts, neglect and misapplication of the consumer product
Items where normal wear and tear or deterioration is evident
Items that are not in working order
Items exposed to radioactive contamination
Motorized vehicles of any kind and their parts and equipment, including but not limited to boats or watercraft, air vehicles, automobiles, trucks and motorcycles
Travelers checks, cash or its equivalent or any other negotiable instrument
Tickets of any kind, art objects, rare or precious coins or stamps, bullion, antiques
Any used, rebuilt, remanufactured or secondhand items
Products which are customized
Product defects
Dwellings and their permanent fixtures (i.e., wallpaper, wall-to-wall carpeting)
Consumable and perishable items including, but not limited to, food, fuel, oil, household products and cosmetics
Any item which is attached to, embedded in or otherwise becomes appurtenant to earth or soil
Services
Items which are paid for, either partially or completely, with some source of funds other than the sponsoring institution's card
Live animals and live plants
Products purchased at Internet auction sites
Digital downloads including, but not limited to, music, movies, books, mobile apps and eCertificates
Gift cards
Travel and travel-related services

Insurer/Administrator
Underwriter and Administrator
Affinion Loyalty Group, Claims Administration
P.O. Box 6175
Westerville, Ohio 43086

------------------------------

I'd assume that once you file a claim.... you send the item back (to Discover/their insurance co above) and they credit your account.

Quote from SDRebel : Anyone knows how to use the 90 day return? The clerks wont know about it Im sure somehow discover eats the difference/restocking, not the business

The way it works:
- the customer reports the return;
- store denies the return (most stores have stricter policy than 90 days);
- Discover charge backs the store for this transaction;
- the store is left with used item and no supplier or manufacturer will take it back from them.

executivedealer - where is

Quote : Especially the $50 sign up bonus for you and my friend, in which basically me and my fiance both scored $50 free dollars for her referring me to sign up.

?

Quote from bartecky : The way it works: - the customer reports the return; - store denies the return (most stores have stricter policy than 90 days); - Discover charge backs the store for this transaction; - the store is left with used item and no supplier or manufacturer will take it back from them.

the original store does not lose out on anything. the return protection is underwritten by an insurance company so the merchandise is returned to them and payment is made from the insurance company. i assume the merchandise is sold to liquidators in big lots.

I hope you are right...

Have to say I am a Discover fan. My card says member since 1991. And my Cash Back balance is 4 digits.

They've had the accidental protection and 1yr warranty extension on my card for a long time. The price match and return guarantee is new. I've used the accidental protection twice. Once for a cell phone that got dropped in the snow the first week and once for an HP notebook repair that should have been under warranty but they said was user damage (end of my 15yr history with HP.) Both times were for several hundred dollars each.

It's outsourced to an insurance company, you don't even talk with Discover. Had to scan some paperwork, take some pictures, find some more paperwork and maybe a month into it I had a check. Fairly painless. Nice perk. We'll see how much I use the new ones.

Quote from stubbornboy : Correct. That is "Purchase Protection" I was referring to "Price protection" eg:- I buy Garmin GPS from Amazon for $100. now after a month, I see same GPS at TigerDirect for $50. So I ask Discover to match the lower price and they credit me the difference. That is Price protection. This alone makes Discover card worth it to sue for many purchases (especially electronics). Just keep a tab on their terms and conditions though. Many exclusions will be there...

Quote from GGGisShopping : The price match and return guarantee is new.

I'm a little late on these replies, but no, these are not new. I've had price protection AND purchase protection for a long time. I know this because I gave my gf a linked card and sent her an e-mail months ago letting her know about all the discover benefits. Price protection was listed in that e-mail.