Here’s how to file a purchase protection claim if an item you purchased using a credit card has been accidentally damaged or stolen:
Notify the merchant or vendor from whom you purchased the item. They may refund your money, send a replacement or repair the item.
Check into all other coverage options, such as homeowner’s insurance or car insurance. For example, if you home was broken into, your homeowner’s insurance may cover the loss. Purchase protection only covers your loss after you’ve exhausted other insurance options.
See if your agreement includes a credit card buyer protection program and whether your loss is covered. You can read your printed credit card agreement or go to your credit card company website. You can also call the customer service number on the back of your card and be directed to the claim department if applicable. Make sure your type of loss is covered; for example, your loss may not be covered if you left the item in public sight or you merely lost it and you have no evidence it was stolen.
File your claim within the time limits. If your loss is covered by a purchase protection program, the bank will require order numbers, a police report (if it was stolen), and other information to process your claim. As with any credit card benefits, your bank may reserve the right to honor or reject your claim depending on the circumstances.