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Credit Card Applications » Questions » User Questions » Featuring Credit Cards » My favorite place to buy special gifts for my wife is Ross jewelry, but recently something ...

My favorite place to buy special gifts for my wife is Ross jewelry, but recently something I bought there didn’t meet my expectations. I put the purchase on my credit card. Is there anything I can do?

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Leo Zhu

That depends what credit card you used to make the purchase, but in general, yes. It’s always a good idea to put these kinds of purchases on credit cards, because in case something goes wrong, you have some recourse. Most major credit cards offer purchase protection that gives you some coverage in case of loss, theft, or breakage that is not due to any fault of your own. Some of them also offer price guarantees, which will pay you back the difference if the item goes on sale soon after you buy it. They also give you zero liability for fraud, a protection that keeps you safe in case your card is compromised in some way, by a data breach or by hackers. So by using a credit card, you are keeping your purchase, and your wallet, much safer than if you had used cash.

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