{"id":12813,"date":"2010-04-05T13:21:04","date_gmt":"2010-04-05T17:21:04","guid":{"rendered":"\/\/www.askmrcreditcard.com\/news\/?p=12813"},"modified":"2010-04-05T13:21:04","modified_gmt":"2010-04-05T17:21:04","slug":"credit-card-warranty-or-manufacturers-warranty","status":"publish","type":"post","link":"https:\/\/www.askmrcreditcard.com\/news\/credit-card-warranty-or-manufacturers-warranty\/","title":{"rendered":"Credit Card Warranty or Manufacturers Warranty?"},"content":{"rendered":"

Mr. CC ,<\/p>\n

I purchased a custom computer direct from the manufacturer (Toshiba), and will also be purchasing an enhanced extended warranty (accidental damage, auth. local service repair, etc.).Trying to decide who I should purchase the warranty from. My Nordstrom Visa Sig cc automatically extends any manufacturer warranty by 1 year, but , I can also the enhanced warranty directly from my Nordstrom Visa Sig. The price difference is negligible between the two (Toshiba and NVS), although the term of the contracts differ a bit. This is how it shakes out, as I understand it:<\/p>\n

Toshiba – 2 year enhanced warranty – $200 (plus 1 yr from Nordstrom = 3yr enhanced)<\/p>\n

Nordstrom – 3 year enhanced – $250 (which kicks in after the Toshiba standard 1 year warranty expires = 4yrs……..but no enhanced for year 1)<\/p>\n

The terms and conditions of each policy are +\/- the same, although each has some draconian language that allows them to decline to honor the warranty in some arbitrarily decided extreme circumstances.<\/p>\n

This is a $1400 machine, a substantial purchase for my budget.<\/p>\n

In your experience, who would you rather deal with in the event you had to ask for fulfillment from a warranty policy. It seems to me my CC co. would be more inclined to keep me a happy customer, since I provide them w\/a continuing revenue source, although the lack of enhanced in year 1 does concern me. Your advice will be greatly appreciated.<\/p>\n

Thanks,<\/p>\n

Randy<\/p><\/blockquote>\n

Answers<\/strong> – Randy, this is a tough one to answer. But I would ask yourself the following question.<\/p>\n

How long do you expect to use the computer<\/strong> – While some folks will use it until it dies out, others may actually upgrade after a set number of years or when some new features become available. If you tend to change laptops every three years rather than four years, then perhaps the decisions is easier.<\/p>\n

Check your nearest Toshiba Repair Shop<\/strong> – On Toshiba’s website, you can find out the near Toshiba Repair center from your place. I think you want to make sure that it is somewhere near your place (or within reason). Since you have to spend<\/p>\n

You might also want to check with your Nordstrom Visa and find out what is the procedure if your laptop does not work?<\/strong> – Find out what is the procedure? Do you have to send it somewhere for verification and will they reimburse you on what you spent to get a new computer? Or do you have to send it to a repair shop? How do you claim. Make sure you know the exact procedure for your credit card issuer.<\/p>\n

I do not think I specifically answered your question so far. But personally, I prefer the first option since I think many laptops show signs of problems after the 2nd year. I also personally think you should upgrade a laptop after 3 years. HardDrive space and Memory simply improves so much within 2 or 3 years.<\/p>\n

Another thing you might want to be doubly sure is that you are ing the manufacturers’ warranty and not the retail store warranty. I know for a fact that Amex extended will extend a “manufacturer’s warranty” but not “retailers’ warranty” like one you from Best Buy.<\/p>\n

For additional information, see the Visa Warranty Guide<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Mr. CC , I purchased a custom computer direct from the manufacturer (Toshiba), and will also be purchasing an enhanced extended warranty (accidental damage, auth. local service repair, etc.).Trying to decide who I should purchase the warranty from. 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