I did warranty claims couple of times with my Visa card. My Hard drive and flash drive both under $50 stopped working and they refunded the amount after I bought a replacement product. When my digital camera broke, they required me to ship the item to a repair center, credit card company talked to the repair center and later told me to get another one. On my Amex card, I accidentally stepped over the wireless headset and broke it. Amex replaced it under their first 90 day accidental warranty coverage.