Avoid Consumer Rage with Credit Card Purchase... - Products News


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Avoid Consumer Rage with Credit Card Purchase Protection

Avoid Consumer Rage with Credit Card Purchase Protection
The content is accurate at the time of publication and is subject to change.

Making headlines this week is a Jason Codner, 42, who recently destroyed a T-Mobile store in Manchester, England because the store refused to give him the refund to which he felt entitled.

Another customer took a video of Codner’s rampage and posted it to YouTube, where it became a sensation and landed on the most-watched list. Codner now has a Facebook fan page under the name “Angry T-Mobile Guy” which had received 740 “likes” at last count. Comments from fans include many like these:

“I definitely cheered a little inside watching them lose more money than they would have refunded.”  –  Brian Kiser

“Two wrongs don’t make a right but it sure makes a person feel better – Jessica Strain

It seems that Codner has tapped into a deep well of frustration among consumers who feel that stores don’t treat them fairly or give them refunds they deserve. All anyone needs to do is search for ‘angry customer refund’ on YouTube to find a treasure trove of similar – although less destructive – videos.

For their part, T-Mobile says that the refund requested by Codner was “clearly outside of the stated terms and conditions.”

A Better Alternative

Many of these angry customers might have avoided an angry confrontation just by checking to see whether they made their purchase with a credit card that offers purchase protection. Visa, MasterCard, and American Express all offer this feature, which gives customers another avenue for getting their money back in cases where it’s warranted.

MasterCard, for instance, has four parts to its MasterCard Purchase Protection plan:

Extended Warranty – If your purchase comes with a store warranty, MasterCard will double it, up to one year.

Price Protection – If you find your purchased item for less within 2 months of purchase, MasterCard will refund you the difference, up to $250.

Purchase Assurance – Purchases that are damaged or stolen within 90 days are eligible for free replacement by MasterCard, up to $1,000 per claim.

Satisfaction Guarantee – Buy something and decide you don’t like it so much after all? MasterCard will refund your money, up to $250, for 60 days after purchase.

I Just Called To Say . . . I Need a Refund

If you bought something with your credit card and the item is damaged or you’d like a refund for another reason, it never hurts to call up your credit card issuer and ask about their purchase protection options. The MasterCard program is just one example of such programs, but most credit card companies do offer them. Try your luck with the store, first – but if they won’t help you, call the number on the back of your credit card before you go on a rampage that could end up going viral on the Internet.

Crime and Punishment

He may be a vigilante hero to some, but disgruntled T-Mobile customer Codner was charged with criminal damage and public order offenses and has a court date on July 31 at Salford and Manchester Magistrates Court.

The T-Mobile store he destroyed hopes to re-open before that time.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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