Use your covered Members 1st credit card for your purchase and you get extra return protection any time you make an eligible purchase of an item up to $250.00. If within 90 days you become dissatisfied with your purchase and the merchant will not accept your return, then Return Protection is there to help.
Your purchase has to be for personal property, such as a shirt or a cell phone (examples of items that aren’t covered include consumables such as food and gasoline). Eligible items of personal property purchased with Members 1st credit card are covered for reimbursement up to two hundred and fifty dollars ($250.00) per item at an annual maximum of one thousand dollars ($1,000.00) per account. Items must be received by the Benefit Administrator in like-new/good working condition.
This benefit pays in excess of applicable store guarantees or other return benefits you have. That means that if the store where you made your purchase refunds you in full for your purchase price, this benefit does not apply. But if you do not receive your full purchase price or the store will not accept your return, this benefit is there to help you recover some of these expenses. Because many stores have a 30-day guarantee, if you file a claim within the first 30 days of purchase you may be asked to submit proof of the store’s return policy. You can be reimbursed under this benefit once all other coverage has been exhausted up to the coverage limit.
You must notify the Benefit Administrator within 90 days of the purchase and submit your completed claim form and supporting documentation within 30 days of notifying the Benefit Administrator of the claim.
In addition to the claim form, you will need the following:
- An itemized sales receipt for the purchase – if you don’t have this, the store where you made the purchase may be able to print a duplicate receipt for you
- Your covered Members 1st credit card billing statement showing the purchase – your bank can usually make a copy for you
- The Benefit Administrator may ask you to provide additional information – you will have an additional 60 days to provide this
Once the claim information is complete, the customer service representative will provide instructions for shipping the item with its original packaging and any applicable manuals and warranties to Card Benefit Services at your expense. Please note that Card Benefit Services must receive the item in like-new/good working condition before the claim can be approved.
If you have any questions or are experiencing difficulty obtaining documents, simply call 1-888-565-8472 for assistance. If you are outside the U.S., you can call collect at 1-303-967-1096.
Under normal circumstances, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.
- Animals and living plants
- Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by, or attached to, any motorized vehicle
- Cash, bullion, traveler’s checks, tickets, credit or debit cards, and any other negotiable instruments
- Computer software
- Damaged, or non-working, items
- Formal attire, including but not limited to, cocktail dresses, tuxedos, gowns, and formal accessories
- Items purchased for resale, or for professional or commercial use
- Items purchased outside the United States
- Items that have been altered
- Jewelry, art objects, rare or precious coins or stamps, antiques, and collectible items
- Medical equipment
- Perishables, consumables, and limited-life items, including but not limited to, rechargeable batteries
- Real estate and items which are intended to become part of real estate, including but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
- Seasonal items, including but not limited to, holiday decorations
The Benefit Administrator will ask you for some preliminary information about your claim and send You a claim form. Return the completed claim form within thirty (30) days of the first notice of loss to the Benefit Administrator along with the following items:
- Your original itemized sales receipt for Your purchase or original packing slip in the case of mail order purchases
- A copy of Your monthly billing statement (showing the last four  digits of the Account number) demonstrating that the purchase was made on Your covered Account.
After You have collected all of these documents, please send to the Benefit Administrator. Please Note: If you file a claim within the first thirty (30) days of purchase, you may be asked to submit proof of the store’s return policy.
The Benefit Adminstrator will contact you after receiving Your claim paperwork. If additional documents are requested, you will have sixty (60) days to fulfill that request. Once the claim paperwork is complete, you will receive instructions for shipping the item with its original packaging and any applicable manuals and warranties to Card Benefit Services. The cost of shipping is at your expense. The item must be in like-new or good working condition in order to be approved for reimbursement.
If your claim is approved and the item has been received, the Benefit Administrator will issue a reimbursement for the purchase price of the item, up to a maximum of two hundred and fifty dollars ($250.00) per eligible item, or one thousand dollars ($1,000.00) annual maximum per Account, less any applicable shipping and handling fees.
- Signed or pinned transactions are covered as long as You use Your eligible Account to secure the transaction.
- You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
- If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
- No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
- This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
- Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.
- After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
- This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.