Wednesday, July 1, 2015

GoMastercard Buyer Protection Cover Experience

Last week I finally took advantage of the Buyer Protection Insurance that comes with my GoMastercard Credit Card.

What Buyer Protection does are:
1. If the item you purchase goes on sale or reduced within 6 months after you purchase it, then you can claim the difference in price. Therefore, you don't need to wait until sale to buy things that you want.

2. If the item you purchase is rejected for a refund or stolen within 6 months (i think), you can make a claim.

3. If you become unemployed, then you don't need to pay the full amount of your balance. I can't remember exactly about this point, but something like this.

It costs some little percentage of my balance at the end of the month. I don't need to pay anything if I pay the balance in full before the end of the month too, so sometimes I don't even need to pay the premium.

Eventhough I've been on it for years, I've never claimed anything. This ofcourse due to my habit of only buying things when on special :P but then 2 weeks ago I FINALLY tried it myself :)

Remember those trips I made to IKEA buying furniture for my new home? Those side tables we bought had 20% off 2 weeks ago! Lucky I paid using my GoMastercard, so I could claim the difference. From memory, 5 of them cost $69 each and 1 was $59. Total of $404. 20% of that is $80.8. I could even buy another one for myself! (remember that all those were for my mum and sisters).

So I went to the website to claim. All I needed to do was fill in the form, filled in the date I bought it, how much was it, where did I get it, what brand and model, how much is it now, etc etc. It was pretty easy.

However I was confused when I filled it out since there was no quantity text box. We bought 3 x beige Askvol on our first trip to Ikea, then on the 2nd trip we bought 2x black Askvol and 1 Musken. So I submitted 3 claims, for 3 Askvol, 2 Askvol, and 1 Musken. Since there was no quantity box, I put the quantity in description box. I thought they would read it anyway.

Less than 2 days after, I got emails saying my claims have been approved! Was so happy with the speed and no hassle whatsoever. But when I checked the amount refunded, I frowned. I was only refunded the difference for 1 item in each claim eventhough I put quantity in the description.

I called the customer service whice by the way was very quick to pick up the phone! She was nice and friendly too. She listened and read my claims and said that it seems that the claim team was confused too and thought that the price I put in was the total price, not individual. Therefore only refunded for a single item. She then suggested to submit claims again individually this time for the rest of the items.

Then I submitted 3 claims again. 2 of them were refunded soon enough, but I didn't hear about the other one for almost a week! So I called the customer service number again. The girl who answered listened to me and took her time reading the claim. Apparently I made a mistake when answering a question asking if I've made a price protection claim on this item before. I put yes instead of no. I haven't been refunded for that item yet!

I explained that to her and she said she could fix it for me if I have time to hold on the line. She then did whatever she needed to do and fixed it there while I waited.

Then, done! All sorted out! Eventhough I had to give them a call, but on both occasions the girls were friendly, nice and helpful. And they do know what they are doing and how things supposed to be done. The claims were processed very quickly too.

1 think I noticed was, the 2nd girl I talked on the phone said at the end of the call, "Thank you for calling us to chase it up." It gave me the impression that she cares about the claims, and she sounded genuine too. Not like marketing-call-scripted type.

Overall I'm so pleased with my GoMastercard Buyer Protection experience :)

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