Many include an extra year of coverage for purchases made with that card for no additional cost. Some items are excluded from this coverage: motorized vehicles like boats, aircraft, or motorcycles antiques or pre-owned items perishable or consumable items like perfume or batteries tickets gift cards travelers checks animals and plants and permanent building fixtures like flooring, heaters, and air conditioners.Д«efore you pay extra for an extended warranty, check your credit card's policy. Keep in mind that you may have to file a claim with your insurance company first in the case of theft. The Chase Sapphire Preferred card covers you for up to 90 days as well, reimbursing up to $500 per item for up to $1,000 per year.Д¬redit cards also offer protection in case an item is damaged or stolen within 90 days of purchase. Different cards offer varying levels of coverage, usually for up to 60-90 days after purchase.ДЇor example, American Express cards cover items for 90 days from the purchase date and will refund up to $1,000 per purchase for up to $50,000 per year (that coverage increases to $10,000 per purchase for more elite cards, like their Platinum and Gold cards). Many major credit cards will refund the cost of like-new items that retailers won't let you return. Now the store won't take it back, and you're out of luck. You cut the tags off that new jacket, only to later decide it wasn't what you really wanted. And before you pay your credit card bill, look through each charge on the statement to make sure there are no fraudulent charges. If your credit card is stolen, or you suspect your card number has been compromised, report it to your credit card issuer immediately. Make sure the retailer's Web address begins with which means the site has security measures in place to protect customers. One of the best defenses against credit card fraud is to be careful when shopping online. Wait any longer, and you could lose all the money in the account.В It can take weeks for your money to be deposited back into your account while the bank investigates your case. You'll be liable for $50 if you wait two business days to report and $500 if you wait up to 60 days. If you report the theft before any charges are made, you won't be liable for them. Debit cards don't offer the same protections.

Credit card rescue