28 Degrees Card Shoppers Protection

orange123 on 20/01/2012 - 10:34
Last edited 20/01/2012 - 10:36

http://www.28degreescard.com.au/common/docs/product-disclosu…

I saw a fellow ozbargainer mention this card called "28 Degrees Card" in the Citibank deal.

The link above is for there "Shoppers Protection" feature. Has anybody used this feature? On face value it seems like a good deal if you pay 0.5% of your balance as a premium then you can get shoppers protection.

"If you buy an item in Australia with
your 28 Degree MasterCard, and
within six months (180 days) of
purchase the item is reduced in price
by $10 or more, in the same store or
another store of the same name, we
will pay the difference between the
purchase price and the reduced price.
This also applies to items purchased:
• for someone else as a gift, and
• through a mail/telephone order
catalogue or internet order.
The item with the reduced price
must be exactly the same as the
item you bought, including size,
colour, make and model number,
attachments and accessories"

So has anybody used this? What are your experiences?
What's the catch?
What kind of proof do you need to provide that the item you purchases is now cheaper at the same store?

This sounds awesome if you can use it for mobile phones, TVs and computers. There must be a catch?

Financial

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Comments

  • stralya on 20/01/2012 - 10:55
    +2

    I have used it. There are no real catches, but there are a few constraints:

    1. It has to be the same store chain. Eg, if you bought it at Harvey Norman, it has to be HN and not Domayne.
    2. It has to be an 'advertised' price (catalogue or online). So, a quote from a salesman will not cut it with them.
    3. It has to be exactly the same item. This is where you usually come undone because retailers have a way of churning through model numbers. If you got model AB2211, it cannot be compared to AB2211A although they may be virtually the same except for the colour.
    4. You can only make the claim once on an item. Eg, in my case I bought the Optus MyTab for $199 and then it dropped to $149. I claimed the $50. But when it dropped to $99, I could not claim the additional $50.
    5. You need to keep your receipts

    I used the service because I was offered it free for a trial 3 month period. I found that I could not justify paying the 0.5% premium on all purchases for this.

    Now, if they would extend the offer to petrol, I'd look at it. Fill up on any day of the week from Caltex, and then claim back a discount based on the lowest price during the week / month at any Caltex.

    • orange123 on 20/01/2012 - 11:11

      Thanks for that.

      What proof did you need to supply? Url?

      • stralya on 20/01/2012 - 11:18

        Yes, url. I bought it from Dick Smith, so gave them the dse online url.

    • postman on 24/11/2012 - 23:41
      +1

      Someone has successfully claimed multiple times.

      http://whrl.pl/Rc3D73

    • SaberX on 14/01/2013 - 12:02

      in respect of #2 - what if it's a listed price in-store? in other words they may not have an online store/price? Or a catologue for it? What then??

  • janeymac on 20/01/2012 - 10:59

    Would be ok if you only used that card to make furniture/hardware/goods purchases, I guess.

    • orange123 on 20/01/2012 - 11:08

      Yeh that's my plan. I would only use the card for goods that would definitely price drop over the next 6 months.

      • stralya on 20/01/2012 - 11:13
        +3

        Furniture will be a bit difficult to claim with model numbers etc. I believe my earlier point on the model number is the crucial one. A work colleague of mine bought a Sony Cybershot camera. After a few weeks, the retailer dropped the price by $100 and offered a 'bonus battery'. They wouldn't honour the claim because of the bonus battery being offered.

        • janeymac on 20/01/2012 - 12:29

          What the? Doesn't that mean it's even CHEAPER? They should be paying him more lol.

        • dealhunt on 20/01/2012 - 12:32
          +1

          They will always find an excuse.

  • dealhunt on 20/01/2012 - 12:05
    +2

    I used it and I was able to get around $50 back on a HK retailer but having Sydney branch too.
    However, I had to make a formal complaint because they initially rejected my application saying it must be an Australian shop, indeed the transaction had place by the Sydney branch bank account.

    When dealing with insurers you must always make complaints!

  • defenestrator on 20/01/2012 - 13:51
    +2

    I did find a way around the 0.5% bill - if you're someone who usually pays off your credit card bill on time, you can go online before they prepare and send out your statement, find out how much is owing and pay it off early.

    The statement that gets sent to you has a balance of $0 and therefore you are charged $0 for the extra protection.
    Worked perfectly for me!

    • bluedufflecoat on 20/01/2012 - 14:09

      the cost to you would be the "interest free period" from the bill cycle date and the date the payment is due.

    • orange123 on 20/01/2012 - 14:23

      Are you sure that works? What if they say since you didn't pay for the premium then you wont get that protection?

      • defenestrator on 20/01/2012 - 14:39

        I checked with them - the lady was adamant that you get it and it's whatever's on your statement. Not to mention, the premium appears on the statement so you have paper proof that you have the protection.

      • dy4me on 21/01/2012 - 00:27

        the T&C state that once u activate it you will be covered. The cost is 0.5% on the closing balance. So if there isnt closing balance they cant charge u. You are free to choose how u reduce the balance like paying off the balance in full before the statement is generated. infact with another credit card the salseperson actually recommended i do that. i think he just wanted me to accept the offer.

        • hippocrit on 21/01/2012 - 01:32

          This happened with my go mastercard (GE) and it works/verified with customer support.

          Used it without any issues for awhile untill I ended up cancelling it.

  • SmiTTy on 21/01/2012 - 16:12

    Im using it now, deliberately purchased an ipad with it at jb.. now to wait and hope it comes down when the ipad3 comes out ;)

    • stralya on 21/01/2012 - 18:21

      Hope you remembered to sign up for shopper protection first :-)

      • SmiTTy on 24/01/2012 - 00:39

        yep =D
        the day before i bought it ^-^

  • Geewhizz on 24/01/2012 - 08:12

    So if I read this correctly, even if an item is simply on an advertised special, not necessarily a permanent reduction, they'll refund the difference?

    So because (belonging to ozbargain) we know a high-ticket item was going to be on special at retailer X next week and would be flying out the door the moment it opened, we could buy the item at full price this week, then claim the difference in price next week?

  • Geewhizz on 24/01/2012 - 09:20
    +1

    Having read the brochure, so it seems - cool!

    However, a clause they may use (and being GE, probably WOULD use}:

    It does not cover "items offered during a ….. LIMITED QUANTITY…..sale" hmmm That could be interpreted to include 'only while stocks last'

    • orange123 on 24/01/2012 - 10:20

      hmm…

      Thanks, Interesting point.

      Has anybody received a cash back from one day sales like the dick smith 1 day quickies and 1 hour deals?

      • orange123 on 05/03/2012 - 16:06

        But in most sales there are limited quantities?? Has anyone had a related issue with GE?

  • dy4me on 24/01/2012 - 12:42

    Any one know if there is a replacement fee if you request a new card when you are overseas? if lost or stolen?

    • cynicor on 25/01/2012 - 10:03

      They aren't very good at getting new cards to you when overseas, so I suggest having a backup, or someone able to courier it to you from home

  • stonedewok on 07/03/2012 - 00:00

    I wonder if I buy something online through Paypal (which is linked to my Wizard CC), does that still count as an eligible purchase on my Wizard CC?

  • drexxx on 10/07/2012 - 09:07

    has anyone tried this with Kogan?

    Or think it would be fine? Cheers

    • leeroys_dad on 10/05/2013 - 07:56

      yes, kogan claims are successful. source: i did one

  • Queue2Queue on 04/09/2012 - 13:33

    Hate to bring up an old thread.
    But if i purchased from an online retail store, such as bigbrownbox.com.au
    would they still pay the difference or does it have to be a brick retail store?

    • drexxx on 04/09/2012 - 19:12

      when i spoke to them on the phone, they said it does NOT have to be a brick retail store. Online stores are fine.

  • cloudy on 05/09/2012 - 10:48

    i was told on the phone, if i lost my 28 degrees card whislt i was overseas and had this protection, i would be given $200 for the inconvience of losing my card. I thought, im gonna sign up just before my holiday just to lose my CC, lol

    • Magnate on 22/10/2012 - 22:42

      This, my friends, is called fraud

  • aiyoyo on 03/10/2012 - 20:47

    I using this card to purchase a mobile phone from Kogan HK,2 days after i loss my mobile phone.Is this incident cover by 28 Degree Merchant Protection insurace?If yes,how and what is the procedure?Thank you guys.

  • dmac80 on 15/10/2012 - 13:28
    +1

    I know this has been asked before and no one replied - but maybe some has tried now and has the answer. Has anyone tried the price protection with Kogan? I know the insurance covers you if you break or lose the phone within 6 months - but I am only talking about the price protection that covers you for price drops within 6 months and refunds you the difference. It's only available for Australian purchases - I know Kogan purchases for phones are grey imports - so would this cover you? I'm keen on a 4G Samsung Galaxy S3 and know it will drop quite considerably in the next 6 months.

    • Highster on 22/11/2012 - 10:59

      Try it and let everyone know, appears to be quite a few questions regarding Kogan phone purchase's and shopper protection but no actual answers to the question.

    • postman on 24/11/2012 - 22:53
      +1

      Hello! I just signed up with OZB so that I can answer this.

      I have successfully claimed for purchase I made on Kogan website.
      Even though the receipt has Kogan HK address written on, the description on 28 degrees statement mentions Kogan Australia South Melbourne. It took around one week to receive the payment.

      I made the purchase using credit card, so I'm not sure if it's the same for paypal payment.

      Good luck!

      • leeroys_dad on 26/12/2012 - 09:29

        using credit card via paypal interface is still honoured FYI

  • Yadzz on 19/10/2012 - 11:44

    Has anyone tried claiming for Ebay? I might sound dumb..but i prefer clearing my mind instead of staying dumb.!!

  • leeroys_dad on 26/12/2012 - 09:28
    +1

    similar to dustynn, came here just to post this.

    claimed a samsung galaxy s3 via 28 degrees price protection. original cost = $529. incorrect price displayed on kogan website = $129 (adding to cart added the full price). they still honoured it!
    when i purchased the phone, i received an invoice and a receipt. the t&c specifically state i must attach the receipt which was listed kogan AU. the invoice shows kogan HK.
    Refund also took just over a week and I posted all my forms back. I took a screenshot of the incorrect price and also a screenshot from windows explorer of the image (JPG) file I made showing the created date

    • mlburnian on 27/12/2012 - 18:13

      holy mother of god…lol, well done. was just comtemplating whether to get this protection, i think i will

      • leeroys_dad on 07/01/2013 - 12:01

        If you pay off the balance before the statement is generated, you don't pay any fees (2.5%?)

    • illumination on 13/04/2013 - 01:49

      Hahaha wow. Great story. I don't remember this incorrect price of $129 for S3 ever being posted on Ozbargain though? Normally pricing errors get posted here too but I don't remember that one..

  • andyken on 27/03/2013 - 13:10

    same question from gotbean, if we pay the balance before the statement, do you think we still need to pay 0.5% premium?

  • ycon on 08/05/2013 - 23:11

    I'm curious- is this automatically on everyone's card? Or is there an option for it when signing up?

    I signed up a few months ago, and I'm looking to get the Kogan SIII (and their sale finishes tonight!).

    • Car-la-la on 08/05/2013 - 23:28

      Nup, you need to sign up for it.

      • ycon on 08/05/2013 - 23:46

        Cheers. And it starts from the date of sign up, and I"m sure Kogan will invoice me pretty much straight away.

        I've also got a BankWest Zero card, which give me extended warranty. I'd consider this, but it looks like it's a $100 excess charge for each warranty claim? I read it page 12 of the PDS- "it is the uninsured first portion of a loss for which youare otherwise covered (i.e. the amount that you must contribute towards each claim)"

  • Geewhizz on 10/05/2013 - 06:36

    Got some junk mail from GE last week, and was quite surprised to see the same shopper's protection is also available on Go mastercard.

  • matthiew on 22/05/2013 - 21:37

    Has anyone used the Shopper's Protection after buying a computer with custom options? I don't mean a white box. I'm looking at a particular model of computer that has a list of options that I can choose from.

    The Shopper's Protection PDS states that "Special order items, tailor made items or one-of-a-kind items" are not covered. I wouldn't call this computer "tailor made" or "one-of-a-kind" as there's a strict list of options. It could be considered a "special order" though, but it seems very open to interpretation.

    This is the computer I'm referring to but it could be any computer purchased direct from the manufacturer. Many of the manufacturer websites that I've been looking at offer a list of customisations (Apple, Dell, Toshiba, Acer, Lenovo).

    • leeroys_dad on 23/05/2013 - 09:30
      +1

      hi mate, in my experience they are pretty relaxed with the conditions. i'd say it'll be fine. however…. because computer parts change very often, in 2 months' time you're probably looking at at least 1 part which is no longer available… which rules you out of price protection.

  • leeroys_dad on 14/06/2013 - 07:23

    FYI the clause in the pds "buy an item in Australia" applies to buying products online from international shops if YOU'RE in Australia. Food for thought

  • spa on 18/02/2014 - 15:42

    Hi, sorry for digging up an old-ish thread, but just wondering if anyone can comment on the following line which is confusing me, that's in the PDS:
    "Each item is covered up
    to $600 and we’ll pay a
    maximum of $2,000 for all
    items in any 12-month period."

    Does this mean only items that cost up to $600 are covered (eg. a $600 laptop is covered, but not a $601 laptop), or does it mean items that are more than $600 are only covered for price drops of up to $600 (e.g. a $1000 laptop dropping to $400 => refund of $600, a $2000 laptop dropping to $400 is still $600 refund)?

    Has anyone claimed an item > $600?

    • leeroys_dad on 18/02/2014 - 16:45
      +1

      any item cost is covered - it's just the refund per item is $600 max. so if you purchase a TV for $2000 and it drops to $1000, you can only claim $600

  • lukenoddy on 21/04/2014 - 11:58

    can you claim flights on the 28 degrees purchase protection?

    • leeroys_dad on 21/04/2014 - 13:36

      nah one of the exclusions is "cash or equivalent…. tickets/vouchers"… flight = plane ticket

      although… you could try and submit a claim for an "e-ticket" or some term that's used on your invoice/receipt, as it's not a stated exclusion… ha ha

      • Craze on 10/01/2015 - 22:07

        That's a shame price protection doesn't apply to flight tickets (I had the same question too, good thing I found this thread)! I haven't submitted any claims so far but reckon it's a really good feature of the card.

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