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Are my purchases protected with a credit card?

  • 12-04-2010 11:01am
    #1
    karlcon
    Closed Accounts Posts: 6 ✭


    If i purchase something with a credit card in a shop and i loose it or it gets stolen can i claim the full amount back from my credit card company??
    Tagged:


Comments

  • #2
    Jip
    Closed Accounts Posts: 3,418 ✭✭✭Jip


    If you loose it or have it stolen from you ?


  • #3
    karlcon
    Closed Accounts Posts: 6 ✭karlcon


    yeah, well either, i have a friend who bought some books for me and left the bag on the bus, i said she might be able to claim because she purchased them with her credit card, not sure tho?


  • #4
    CJhaughey
    Registered Users, Registered Users 2 Posts: 14,907 ✭✭✭✭CJhaughey


    You are protected for things like an internet shop going bust before you have your goods or sometimes travel insurance (limited) if you book tickets with a card.
    A credit card won't cover you against stupidity.


  • #5
    Cabaal
    Moderators, Technology & Internet Moderators, Regional South East Moderators Posts: 28,510 Mod ✭✭✭✭Cabaal


    So your friend lost the books then, they weren't stolen and no


  • #6
    Diddler1977
    Registered Users, Registered Users 2 Posts: 3,765 ✭✭✭Diddler1977


    karlcon wrote: »
    If i purchase something with a credit card in a shop and i loose it or it gets stolen can i claim the full amount back from my credit card company??

    No


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  • #7
    CH3OH
    Registered Users, Registered Users 2 Posts: 7,400 ✭✭✭CH3OH


    A lot of the replies seem to have made the assumption that the answer is automatically NO.
    A quick google :
    http://www.google.ie/#hl=en&q=credit+card+Purchase+Protection+Insurance&meta=cr%3DcountryIE&aq=&aqi=&aql=&oq=&gs_rfai=&fp=833c7385df093698

    It very much depends on the type of credit card and the issuer but it certainly seems to be available on some credit cards. I'm sure there are restrictive terms and conditions but it may be worth ringing the credit card issuer.


  • #8
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    Moved to Banking & Insurance & Pensions

    dudara


  • #9
    Ogham
    Registered Users, Registered Users 2 Posts: 1,844 ✭✭✭Ogham


    If your card covers you for loss/theft - there will probably be a minimum amount below which you can't claim . I.e Ulster will only pay out if the purchase is worth €50 or more.


  • #10
    bittihuduga
    Registered Users, Registered Users 2 Posts: 1,916 ✭✭✭bittihuduga


    does ulster credit card cover these by default?


  • #11
    Ogham
    Registered Users, Registered Users 2 Posts: 1,844 ✭✭✭Ogham


    bittihuduga wrote: »
    does ulster credit card cover these by default?

    I think it is only in the UK with their Gold card.


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  • #12
    Ogham
    Registered Users, Registered Users 2 Posts: 1,844 ✭✭✭Ogham


    The purchase protection is also included if you are aUfirst account holder in Ireland with Ulstr - but there is a monthly fee for this account.


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