Bought an $800+ lens on JD.com, and when it arrived there was a rattling sound from a loose part inside, so it seemed to be damaged. Shipping it back was too much of a hassle, so I just went through the purchase protection that comes with the Chase Ink Preferred. I only submitted two things: a screenshot of the order and a quote from a local camera repair shop. That shop didn't actually inspect anything, they just wrote a recommendation saying it would cost $100+ to check it first, and only after the inspection would they know how much the repair would really cost. About a week after all the materials were submitted, I got fully reimbursed, and they didn't ask for any additional documents in between. I'd never used this benefit before, and this time I found it was actually pretty hassle-free, so I'm sharing it.
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莎莎呢1 month ago
泥蛋1 month ago
What's actually interesting about this case is that the insurer isn't covering the repair cost—it's covering the possibility that something might be wrong. Normally, if a quote only recommends an inspection without confirming a fault, they'd ask for a formal diagnosis before approving anything. But this time it went straight through, which probably has to do with how much they weigh the order value and the merchant's return costs. In other words, it's less about paying for a repair and more about paying for the sunk cost you can't be bothered to deal with.
麦歌1 month ago
Will this kind of payout affect my relationship with the bank going forward? For example, could my account be closed or the money clawed back?
I'd like to ask, does the repair shop's quote list the specific fault diagnosis? Or does it only show an inspection fee? Also, for the full reimbursement, is it based on the original price of just over $800, or is depreciation deducted?