之前发了一篇询问帖, 因为已无法修改, 所以重发一篇帖子方便查询。
先说结论, 关卡之后, Amex与Citi的延长保修应该还是适用的, Chase晚点读完term或有DP再来更新, 但我猜应该也是会有。
网上大部分的教学(包括主站), 通常是这么说的:
不过无论如何要选一张打算长期持有的卡，因为购买用的信用卡关卡后将不能继续享受延保。
但真的是这个样子吗？我们来读一下Term。
* Amex Gold: Amex Gold在条款里讲的很模糊。
1. We may cancel these benefits at any time by providing notice
2. Benefits will end automatically on the earliest of the following: a. the date when the Eligible Card is cancelled or terminated; and/or b. the date when You are no longer a Card Member
看起来好像关卡后就不能用延长保修了。但是, 再继续读下去, 发现后面有个FAQ:
Q: Are benefits still eligible when the Card Account is no longer active?
A: Yes, if the Eligible Payment is made for a Covered Purchase prior to the effective date of the benefit cancellation.
这样就很清楚了, Amex Gold关卡后还是适用延长保修。 这个也有DP的支持:
- Citi: 再来看一下Citi AA Platinum的Benefit book, 有以下条款:
- Cancellation: These benefits can be cancelled at any time or non-renewed for You. In the event benefits are cancelled or non-renewed, You may be notified as required by law. Coverage will still apply for any benefits You were eligible for prior to the date of such cancellation or non-renewal, subject to the terms and conditions of coverage. The provider of these benefits shall not be required to give notice if substantially similar coverage has been obtained from another provider without a lapse of coverage.
- Benefits to You: These benefits apply to cards issued in the United States by Citibank, N.A. to residents of the United States. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam, the U.S. Virgin Islands and Northern Mariana Islands. No person or entity other than You shall have any legal or equitable right, remedy or claim for benefits, insurance proceeds and damages under or arising out of these programs. These benefits do not apply if Your card privileges have been cancelled. However, benefits will still apply for any benefit You were eligible for prior to the date that Your account is suspended or cancelled, subject to the terms and conditions of coverage.
让Gemini来解释一下:
对您的情况而言，最重要的一句话来自第二段 "Benefits to You"：
> "These benefits do not apply if Your card privileges have been cancelled. **However, benefits will still apply for any benefit You were eligible for prior to the date that Your account is suspended or cancelled, subject to the terms and conditions of coverage.**"
让我们来逐句分析这句话：
1. **"These benefits do not apply if Your card privileges have been cancelled."**
* 这是一个笼统的声明，可能会被解读为一旦销卡，所有福利都将终止。
2. **"However..."**
* 这个词是关键。它标誌着对前一句话的例外情况。
3. **"...benefits will still apply for any benefit You were eligible for prior to the date that Your account is... cancelled"**
* 这就是直接适用于您的例外情况。您获得延长保修福利的资格，是在您使用该卡片、且帐户有效时**购买合格商品的那一刻就已经确立了**。
* 这项福利是与原始购买行为挂钩的，而不是与您卡片帐户当前的状态挂钩。因为您在购买商品的那天就已经具备了享受该福利的资格，所以之后註销卡片并不会追溯性地取消那个已经存在的资格。
您引用的第一段条款 "Cancellation" 也强化了这个原则。它讨论的是服务提供商取消福利项目本身的情况，但也说明了 "Coverage will still apply for any benefits You were eligible for prior to the date of such cancellation"（在取消之日前您有资格获得的任何福利保障将仍然适用）。这显示了一个一致的逻辑：资格在符合条件的事件（在这里指购买行为）发生时就已被锁定。
### 如何确立资格
要了解您是否符合资格，我们必须查看延长保固福利的条件：
* **确立资格**：要符合延长保固的资格，您必须使用您的花旗卡支付该商品的全部或部分款项。
* **资格生效时间**：当您在帐户仍有效时，使用该卡完成符合条件的购买时，您就已经“有资格”(eligible for) 享有延长保固福利了。
因为您是在取消卡片*之前*确立的资格，所以上述的例外条款允许您在销卡后提出理赔申请。
### 关键点总结：
* **资格持续有效**：指南明确指出，对于在您帐户被取消前已经符合资格的福利，保障将继续适用。
* **购买是关键**：您在用卡购买商品的那一刻，就已锁定了该商品的延长保固资格。
* **条款依然适用**：您的理赔申请仍需“subject to the terms and conditions of coverage”。这意味着您仍须遵守延长保固的所有其他规定，例如：
* 该商品不在排除列表上（例如：船、汽车、二手物品）。
* 该商品本身附有製造商的保固。
* 您必须在规定的时间内提交理赔申请并提供所有必要的文件。
### 如何为您的延长保修索赔解读这一点
1. **资格确立**：当您用您的花旗银行（Citibank）卡购买商品时，您就满足了延长保修福利的初始要求。
2. **卡片註销**：您后来关闭了该信用卡帐户。
3. **索赔发生**：现在，该商品在製造商的原始保修期过期后、但在信用卡提供的延长保修期内出现了故障。
4. **提出索赔**：根据那个 "However" 条款，由于您的资格在第一步（销卡前）就已确立，您应该仍然可以提出索赔。
总而言之，您卡片条款中的语言似乎对您有利。您的资格与购买行为本身相关，而不是与卡片的活跃状态相关。
所以关卡后还是适用延长保修, 只是还没有DP。
