Believe it or not the holidays are quickly approaching. You might not actually realize it until you start to hit the big box stores but you will soon realize that they are just around the corner. The stores have their holiday merchandise being displayed already, there are already Christmas commercials on the television and I even have a crazy neighbor who already has her Christmas tree standing in her living room. Even though you might not be ready to accept it the fact is that the holiday shopping season has arrived. However there is good news. If you are using credit card to shop you might be able to save yourself some money and there are many tips that will explain how.
Forget The Extended Warranty
When you purchase items such as electronics you will find that the store where you bought it will often try to sell you an extended warranty with your purchase. These plans are not at all what they are made out to be. In fact they can be expensive and have many different limitations to them. However if you make the purchase on your credit card you might have a one-year extension to the manufacturer warranty. Of course you will need to check with your credit card company first.
When you are shopping for holiday gifts you will often find items that you have purchased for a lower price somewhere else. There are many options available to you to help avoid this circumstance. You can shop around for the best price but you will not be able to find out what kind of sales are going to be in the future. Holiday sales are very common. Therefore if you purchase an item and it goes on sale later on down the road you might have a price protection through your credit card where the difference in price can be refunded within a certain period of time.
A common problem during the holidays is purchasing an item only to find out later that the person you are giving it to already have it or it is the wrong size. With each retailer you might find that they do not have a return or an exchange policy. The good news is that many credit cards will offer you a sixty to ninety day return policy even if the retailer does not. Of course you will need to check with your credit card company to find out if this applies to your card.
Protection Of Your Purchases
During the holiday season there are many things that can happen and product damage and theft are a couple of the common unfortunate circumstances. To help you get through the holidays with an easy mind you might find that the items you purchase on your credit cards have a purchase protection policy that you might not get with other forms of payment. Many times this is not advertised by your credit card company so you will need to check with your company to be sure that this applies to you. The most common type of protection that the cards offer is typically for theft or damage to the items for ninety days after the purchase.
When you are looking into the benefits of your credit cards you will find that the benefits will often change and many times without notification. It is important that you do not assume that your credit card automatically comes with these benefits. You should contact to be sure and if it does take advantage of them when needed.
Image credits to : Bill Sarris