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Anyone used Discover card's purchase protection before?

ppysr 786 75 February 28, 2012 at 09:51 PM
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Girlfriend purchased a new Macbook Pro last month, and she accidentally dropped the laptop from the apartment stairs today, now the $1700 Mac is totally broken...I don't like Mac Embarrassment but I don't want to see her being so sad about this Frown

The computer was purchased with her Discover card, which is suppose to offer some sort of merchandise protection against accidental damage or stolen, but we never used anything like this before. (Haven't called Discover yet since I just found out about this, she's the card holder and working tonight)

Have any SDers used Discover or other credit card purchase protection benefit before?
Are there usually a limit on the claim amount? Is the process relatively easy or really pain in the butt?

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#2
Scratchhead I don't think Discover offers purchase protection on their credit cards (except for the Business card)

I had one with Amex. Quick and easy. I got a check for around $800 in the mail when my laptop dropped.
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Last edited by daniel32 February 28, 2012 at 10:08 PM.
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#3
If its only a month old, its a long shot but have her take it back to Apple to see if they'll cover that under warranty.

And there's nothing wrong with Macs =]
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#4
In the future put any extremely large purchases like this on an Amex. They are known for their extended warranty and purchase protection options like this. Basically no hassle. I rarely use my Amex except in times when buying big electronics or items I think may break down the line, and it's just the card that you keep in your wallet for those "times" when you need some help (ie. warranty, purchase protection, roadside assistance etc.).

My Chase Freedom also has similar benefits like my Amex but they are a little more complicated through Visa and I think more strict on certain terms (like 60 days instead of 90 on some things etc.)

I'm 100% sure Discover has purchase protection but
a.) Googling it and clicking the link just takes me to a dead link where it loads forever.
b.) I can't find it on the Discover site.

Best way is to call the number on the back of your card and just ask. They'll probably help you out.
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#5
Well..here's some bad news for you Frown
https://www.discover.com/credit-c...ction.html
...it appears it's only for the Business card. Unless you have that..I think you are SOL.

If you want to keep the Discover for cashback..that's fine..but time to get a real credit card that offers you warranty protection and purchase protection by default.

Unfortunately AppleCare for MacBooks does not cover accidental damage so that's out unfortunately.

You can try SquareTrade...where you can buy a 3 year care plan (required) with ADH (accidental damage) for $350. There are 30% coupons floating around though so that might save you $100.

They will probably be extremely suspicious if you submit a claim immediately so I would probably wait a couple weeks if you go that route.

Alternatively: Go to an Apple Store and get your girlfriend to go and cry...like cry cry cry like it was her life investment. Occasionally they will sympathize if it's a brand new purchase (it would REALLY help also if she purchased it at the Apple Store as well). Buy AppleCare if they do offer to fix it for free or a small cost (less than what SquareTrade would be) for you.

Apple usually has unprecedented warranty and support so give it a go!
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#6
Quote from daniel32 View Post :
Scratchhead I don't think Discover offers purchase protection on their credit cards (except for the Business card)

I had one with Amex. Quick and easy. I got a check for around $800 in the mail when my laptop dropped.
Her card is a small business card I think (her dad owns a small business and got the card for his company), but after checking on Discover website they only cover up to $500 Frown


Quote from steventruong View Post :
If its only a month old, its a long shot but have her take it back to Apple to see if they'll cover that under warranty.

And there's nothing wrong with Macs =]
I think she might do that if no luck from Discover

I'm not a big fan of Mac but I don't hate them like some SDers do LMAO


Quote from dzap View Post :
In the future put any extremely large purchases like this on an Amex. They are known for their extended warranty and purchase protection options like this. Basically no hassle. I rarely use my Amex except in times when buying big electronics or items I think may break down the line, and it's just the card that you keep in your wallet for those "times" when you need some help (ie. warranty, purchase protection, roadside assistance etc.).

My Chase Freedom also has similar benefits like my Amex but they are a little more complicated through Visa and I think more strict on certain terms (like 60 days instead of 90 on some things etc.)

I'm 100% sure Discover has purchase protection but
a.) Googling it and clicking the link just takes me to a dead link where it loads forever.
b.) I can't find it on the Discover site.

Best way is to call the number on the back of your card and just ask. They'll probably help you out.
The Discover website was really slow earlier, but I got on about 15 minutes ago, but the amount covered is very limited based on the information from their website, I told her to call them tomorrow and see

btw what is a good AMEX card that you would recommend getting? I was actually thinking about applying for an AMEX just a few days ago, and I'm definitely gonna do it now



Quote from dzap View Post :
Well..here's some bad news for you Frown
https://www.discover.com/credit-c...ction.html
...it appears it's only for the Business card. Unless you have that..I think you are SOL.

If you want to keep the Discover for cashback..that's fine..but time to get a real credit card that offers you warranty protection and purchase protection by default.

Unfortunately AppleCare for MacBooks does not cover accidental damage so that's out unfortunately.

You can try SquareTrade...where you can buy a 3 year care plan (required) with ADH (accidental damage) for $350. There are 30% coupons floating around though so that might save you $100.

They will probably be extremely suspicious if you submit a claim immediately so I would probably wait a couple weeks if you go that route.

Alternatively: Go to an Apple Store and get your girlfriend to go and cry...like cry cry cry like it was her life investment. Occasionally they will sympathize if it's a brand new purchase (it would REALLY help also if she purchased it at the Apple Store as well). Buy AppleCare if they do offer to fix it for free or a small cost (less than what SquareTrade would be) for you.

Apple usually has unprecedented warranty and support so give it a go!
We might try the Apple Store trick, but the SquareTrade thing is kind of bad, buying warranty after the accident LMAO
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#7
Quote from ppysr View Post :
I'm not a big fan of Mac but I don't hate them like some SDers do LMAO
How come? Honest question. No flaming invitation here lol. A lot of people dislike Macs but never even gave them a real chance or the usual pricing argument comes up. Its a bit like judging food you've never tried. I am interested in those who've actually used a Mac long enough to actually understand it and their reasons for disliking it if they have vs those who have a perception base on public opinion and pricing to dictate why they like or dislike something they've yet to work with. Where do you stand and why do you dislike it?

Quote from ppysr View Post :
btw what is a good AMEX card that you would recommend getting?
Most of them are pretty good. If you want cash back, go with Blue Cash. Side note, a lot of other credit cards offer buying protection, not just AMEX. The discover thing might just be discover. A lot of VISA and Mastercard have coverage too.
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Last edited by steventruong February 29, 2012 at 01:29 AM.
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#8
Quote from steventruong View Post :
How come? Honest question. No flaming invitation here lol. A lot of people dislike Macs but never even gave them a real chance or the usual pricing argument comes up. Its a bit like judging food you've never tried. I am interested in those who've actually used a Mac long enough to actually understand it and their reasons for disliking it if they have vs those who have a perception base on public opinion and pricing to dictate why they like or dislike something they've yet to work with. Where do you stand and why do you dislike it?



Most of them are pretty good. If you want cash back, go with Blue Cash. Side note, a lot of other credit cards offer buying protection, not just AMEX. The discover thing might just be discover. A lot of VISA and Mastercard have coverage too.
I'm more of a DIY person (not the cheap kind lol) so I really enjoys the freedom of being able to change the parts according to my need, or desire LMAO

You can use all the new hardware on a PC like you want, but for Mac you have to wait till Apple to release it. I'm running Sandy Bridge server CPU and a workstation board in my desktop right now, but Apple's Mac Pro line only offers previous generation i7s, and 5870 graphic. (I'm a desktop person)

Talking about the price, Macs are not cheap, but they aren't built cheap either. If I have to choose between a prebuilt PC between a Mac Pro, I'd take the Mac Pro since I don't trust those prebuilt PCs. However when I'm building it myself and knowing what parts I'm using, that's a different story.

Software, I tried the Mac OS X a few times but didn't like it that much, but that's probably just because I have been using Windows in the past 15 years (tho I do use Mac on rare occasions) It does have some nice features tho.

I guess I am a little biased on the software side, but the hardware thing is really just my personal preference Smilie
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#9
Quote from ppysr View Post :
I'm more of a DIY person (not the cheap kind lol) so I really enjoys the freedom of being able to change the parts according to my need, or desire LMAO

You can use all the new hardware on a PC like you want, but for Mac you have to wait till Apple to release it. I'm running Sandy Bridge server CPU and a workstation board in my desktop right now, but Apple's Mac Pro line only offers previous generation i7s, and 5870 graphic. (I'm a desktop person)

Talking about the price, Macs are not cheap, but they aren't built cheap either. If I have to choose between a prebuilt PC between a Mac Pro, I'd take the Mac Pro since I don't trust those prebuilt PCs. However when I'm building it myself and knowing what parts I'm using, that's a different story.

Software, I tried the Mac OS X a few times but didn't like it that much, but that's probably just because I have been using Windows in the past 15 years (tho I do use Mac on rare occasions) It does have some nice features tho.

I guess I am a little biased on the software side, but the hardware thing is really just my personal preference Smilie
Ah. Yeah, I use to be heavy into building my own system way back (90s) but have switched primarily to laptops since the early 2000s. Haven't built a desktop since. I do agree on the customizability but since I don't game anymore and haven't for a really long time, custom built rigs are less of an issue for me (or for anything else for that matter).

My primary reason for being on a Mac is mostly software driven (OS X). I get what you mean about being use to Windows. Its a b*tch and a half breaking habits and getting use to another OS. I remember when I had to make that switch years ago and it took a few weeks of solid usage before I was able to get use to how things work. But its hard to go back after you understand the two system really well (personal opinion). I pretty much do 70% Mac, 30% Linux (and Windows when I have to).
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#10
Defiantly take it to the store and be honest and ask if there anything they can do. Often they will swap it with a new one and tell you carry on.
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#11
clumsey girlfriend

busness card
Up to $500 of Purchase Protection against loss, damage or fire for 90 days
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Last edited by cavan February 29, 2012 at 04:14 PM.
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#12
well discover only does this sort of thing for "good" cardholders, e.g. you charge a lot. I inquired back when we rented a car only to find that only 1 of our 3 discover cards offered the protection.
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#13
Quote from steventruong View Post :
Ah. Yeah, I use to be heavy into building my own system way back (90s) but have switched primarily to laptops since the early 2000s. Haven't built a desktop since. I do agree on the customizability but since I don't game anymore and haven't for a really long time, custom built rigs are less of an issue for me (or for anything else for that matter).

My primary reason for being on a Mac is mostly software driven (OS X). I get what you mean about being use to Windows. Its a b*tch and a half breaking habits and getting use to another OS. I remember when I had to make that switch years ago and it took a few weeks of solid usage before I was able to get use to how things work. But its hard to go back after you understand the two system really well (personal opinion). I pretty much do 70% Mac, 30% Linux (and Windows when I have to).
I'm the opposite of you, I'm a desktop person and can't live with having a laptop as the only computer LMAO

I play a little bit of games but also do a lot of rendering, and having 3 GTX 570s with over 1440 CUDA cores is great when it comes to gaming and rendering lol (I know they are not as good as the Professional Quadro cards but they are still pretty awesome

I used Linux a bit before and it's not bad, but IMO it's not very suitable for average everyday use. If Microsoft really mess up Windows 8 like they did with Vista, I might switch to Mac lol


Quote from nizzy1115 View Post :
Defiantly take it to the store and be honest and ask if there anything they can do. Often they will swap it with a new one and tell you carry on.
We are doing that are Saturday laugh out loud

Quote from cavan View Post :
clumsey girlfriend

busness card
Up to $500 of Purchase Protection against loss, damage or fire for 90 days
Yes checked with them this morning, her card(small business) does have coverage but like you said it's only up to $500...time to get an AMEX

Quote from Dr. J View Post :
well discover only does this sort of thing for "good" cardholders, e.g. you charge a lot. I inquired back when we rented a car only to find that only 1 of our 3 discover cards offered the protection.
She called discover and confirmed that it does have the coverage(since her card is a small business card), but the coverage is only half of what AMEX offers on their card...Embarrassment
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#14
Quote from dzap View Post :
Well..here's some bad news for you Frown
https://www.discover.com/credit-c...ction.html
...it appears it's only for the Business card. Unless you have that..I think you are SOL.
Actually, discover does offer that on consumer accounts too (mine has it) - but I suspect it is not for all customers. I didn't have it initially, but recently found that it was present. You can call up discover to ask, or check under your account at their website (log in, and look for "my benefits" link below your account summary - under "More from discover card")

I see the following (along with some other benefits) - this may vary for each customer of course.
* Extended Product Warranty. - Protect against product defects with an additional year of extended warranty.
* Purchase Protection - Automatically protect your purchases against damage or theft for 90 days when you use your Discover Card.
* Travel delay insurance. - Your unexpected food and lodging costs are covered should your flight be delayed six hours or more.
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