Here's a few tips on buying Apple gear and credit card extended
warranties. The bottom line is:
- Consider buying AppleCare with American Express or certain other cards,
like those from Citibank, to get an extended warranty that extends 12 months past
AppleCare's 3 years. That's 4 years total!
- If you don't need AppleCare, then try to buy with American Express,
or some other card that will still get an extra 12 months. Check the card details
to see if they offer a warranty extension.
- Consider skipping AppleCare with a card that already
has a warranty extension and doesn't go beyond the 3 years of Applecare.
You would get 24 months of basic coverage (one year original plus one year card warranty).
For the price of AppleCare, you get only an extra 12 months, although some
will want the telephone question coverage of AppleCare.
Buy products when they just come out, or wait until the next version
comes out. It seems like Apple products don't really go on sale, so you
might as well get the newest stuff, or wait if you can. A good place to
check is MacRumors Buyers Guide.
That being said, if you need something, then you need it, so just buy
it. If you're not sure, then you can probably wait.
In general, you'd probably be off without extended warranties unless
there's something special about your situation that suggest one is worth
it. Plus, if you buy with the right credit card, you'll get one year
extension, giving you a full years without paying a cent. Here's an
article on LifeHacker: Skip the Extended Warranty; Use a Good Credit
I live on the beach, so everything tends to rust, so I tend to buy
extended warranties for this reason.
American Express or double-check before you buy AppleCare
Both American Express and Mastercard offer warranty extensions of up to
one year for using their cards. However, there's a huge difference in
their policies. American Express specifically states that they extend
past supplemental warranty extensions like AppleCare. . I quoted the details
below. American Express will provide up to one year additional for
warranties up to 5 years. MasterCard only goes to one year. Visa goes to
Here's a good article with more details on why you should American
Express for all extended warranties: 2012 Credit Card Extended
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