You buy something and it doesn’t work. Doesn’t fit. Don’t love it. Can’t make it work. You feel like you just wasted your money because, well, you did. While many merchants play ball and have a return policy that affords some flexibility, some don’t. The reality is, if you put that on a card, you might not be left out to dry
The benefit: Return Protection
When you use your Visa Infinite card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Infinite® card to secure transactions. For complete terms and conditions, contact your issuer for a copy of your Guide to Benefits.
Link to Visa Infinite return protection
Of course there are exclusions and limits, but generally most items and purchases are reasonably covered.
While the benefit highlight above is Visa Infinite tier, this is available across a wide range of Visa (and other issuer) products.
My experience
This past month I purchased a long-wanted new indoor bike rack. In installation, the drywall anchors which I expected would be sufficient to secure the rack were very clearly not. The merchant offered to sell me a specialized fixing for install, but refused to accept a refund.
Cue Visa benefits. Despite a very mid-00’s website and portal for processing the claim, within two days of submission (claim information, receipt, card statement) they had responded saying my return was eligible. They provided return information, and requested I ship this to them to continue processing.
While I don’t have the money in hand from the outcome here, but knowing past experiences I’m expecting that to be relatively seamless. Instead of being out $120 for the purchase, I’ll be out ~$20 for shipping. Not big, but hey, it’s something!
Post-ending gif
