How many times has an item stopped working right after the manufacturer’s warranty expired? But if you purchased the item on a credit card that has a free extended warranty program, you can either get the item repaired at the warranty company’s expense or receive a check for the original purchase price if the item is not repairable or if it is not worth the cost of repair.

I highly recommend taking a moment now to turn your credit card over and call the toll-free customer service number on the back of your card. Ask the customer service representative if your credit card company provides an extended warranty program.

Do keep in mind that in order to have an item covered under an extended warranty program, you’ll need to have your original sales receipt (photocopy it in case it fades) and the warranty coverage in writing (if you no longer have the warranty book, you may be able to get a copy of the warranty from the manufacturer or online).

Call your credit card company today. Let me know your results.

Diane