PenFed Pathfinder purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse PenFed Pathfinder cardholders for up to $500 per claim and up to $50,000 per cardholder.
How to File a Purchase Protection Claim with the PenFed Pathfinder card
Call the Benefit Administrator within 60 days of the incident at 1-800-397-9010. or the number in your card’s benefits guide.
File a police report within 48 hours of the incident, if the item was stolen.
Submit a completed claim form within 90 days of the incident.
Wait for a decision. PenFed will notify you of a decision once your claim has been processed. This could take PenFed up to 15 days.
Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.
Be aware that not all items are covered by the PenFed Pathfinder card purchase protection benefit. To see which items are covered by this perk, check the guide to benefits that came with your credit card.
If you accidentally make less than the required minimum payment or you miss your PenFed Pathfinder due date entirely, you can always ask customer service to waive the late fee by calling 1 (800) 247-5626. This is much more likely to work if you have a great payment history with PenFed, but even if not, there’s no harm in asking.
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
Go to the account with the charge in question, then click the arrow next to “More Account Info and Actions.”
Select if the disputed charge relates to a card transaction or an ACH transaction.
Follow the prompts to submit your dispute.
Before you dispute a charge through PenFed, you should first contact the merchant associated with the charge on your card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with PenFed.
Once you’ve initiated the dispute, PenFed will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your PenFed Pathfinder card as you normally would while a dispute is ongoing.
PenFed will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
The PenFed Pathfinder® Rewards Visa Signature® Card does not have a cash advance fee. The $0 cash advance fee on the PenFed Pathfinder Card makes cash withdrawals less expensive, though this type of transaction still will not be cheap. There’s a separate cash advance APR that applies immediately after you complete the transaction. An ATM owner may also impose additional charges.… read full answer
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