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Extended warranty credit card for your appliance FREE

Post author By CS
Post date November 11, 2020

Whether you are planning to upgrade your appliance or have to buy a new one because the old one is no longer functional, use a credit card to get a free extended warranty.

Even if you don’t like to pay interest on your credit cards and typically pay cash for everything, it’s still worth buying the appliance with a credit card to get an extended warranty. You can always pay off the balance of your credit card within the month and keep the warranty extension.

Nowadays, appliances don’t last as long as they used to. Especially icemakers on refrigerators seem to break down right after your 1-year manufacturer’s warranty expires. Therefore, having an extended warranty is a must. Instead of paying an average of $126 for the warranty, you can get it for FREE through VISA, Mastercard, AmEx, or Capital One cards.

So what is the best credit card extended warranty?

The Citi Bank used to have the best ( the longest) extended warranty. However, in 2020, the bank has slashed most of the benefits, including the warranty. Nevertheless, you can still get a generous 2-year warranty extension on your appliances, TVs, and other electronics through a Citi Card from Costco warehouse.

Costco Anywhere Visa Card by Citi

If you already have the membership, but don’t have the Costco Anywhere Visa Card, consider applying for it to get the warranty and other cashback rewards such as:

4% on gas
3% on restaurants and travel
2% on everything from Costco (including appliances)
1% everywhere else

This is a really good deal considering that you get the 2-year free warranty and the 2% cashback on your new appliance!

Wells Fargo PROPEL

But obviously, not everybody lives near or wants to be a Costco member. In this case, the easy to find Wells Fargo Bank offers the PROPEL card by American Express. If you already have this card, definitely use it.

And If you apply for the PROPEL card, new members get some nice perks on top of 1 year extended warranty, like:

20,000 bonus points (equal to $200)
3x points on restaurants, travel, gas, rideshares… etc
1x points on everything else
Phone protection
NO annual fee
NO interest for the first 12 months
Plus many more…

Chase Freedom Unlimited & CapitalOne

The Chase Freedom Unlimited and the Quicksilver by CapitalOne cards offer a 1 year extended warranty, plus other very similar benefits such as:

1.5% cashback on purchases
$200 cash sign up bonus
15 months no interest
and NO annual fee for well-qualified applicants

American Express Gold

The American Express Gold Card also gives you a 1-year extended warranty, but the card has an annual fee of $250. If you are a heavy spender on a monthly basis, the annual fee will be reimbursed back to you in form of:

60,000 Membership Points (currently)
$120 Dining Credits
$100 Hotel Credits
4x points on supermarkets and restaurants
3x on travel
1x points on other purchases

Unfortunately, the popular Discover It Card has canceled the extended warranty service, so it can’t be recommended at this time for purchasing appliances.

Bottom line.

The Costco Anywhere Visa Card currently is the best-extended warranty credit card. But since most people don’t have a Costco membership, the second best will be any of the mentioned cards above. If you already have one of them, use it. If not, consider applying for it… it’s worth it.

Appliances

LG refrigerator not cooling? Get a refund.

Post author By CS
Post date June 3, 2018

If your LG refrigerator not cooling and is less than 10 years old, you can get a refund.

Yes, you can get your money back if your LG fridge not cooling and you know how to “work the system”.

So you own a beautiful LG refrigerator – congratulations!

But, since you are here your LG fridge probably stopped working. Therefore, we would like to invite you to the club of frustrated owners of beautiful and expensive pieces of junk.

If you are here because your ice-maker or water-dispenser stopped working that means you are one of the lucky ones. But be prepared for the inevitable – a total breakdown.

If your refrigerator seems to be running but not cooling at all, most likely LG famous linear technology compressor is shot or there is a refrigerant leak somewhere in a sealed system (compressor, evaporator, condenser). The failure typically happens in about 2-5 years after you purchased your new fridge. Whether or not it is a planned obsolescence is up for debate, but sure feels like it.

Luckily, LG has a 10 year sealed system warranty on most refrigerators. They must repair it or buy-back unrepairable refrigerator. In other words, they have to give you your money back minus depreciation.

However, don’t assume that LG will run and try to help you right away. Typical repair or refund can stretch anywhere from a couple of weeks to about a few months. So, the best piece of advice we can give you now is to get a lot of patience if you want your money back.

Patience is the key

We understand that you are upset, really upset. But throwing things around and yelling at people is not going to fix the problem. You will have to deal with LG customer support. And if they don’t like the tone of your voice they will put you on an endless loop and hold until you give up pursuing the refund. Don’t fall for it. Persistence and patience will get your nonworking refrigerator fixed or your money back.

Meanwhile, if you don’t already have a second fridge, consider getting a small/temporary one because you may need it for the next few months.

Yes, buying ice at your local gas station and using coolers is not the best idea. Even if a local LG certified technician promised to visit you in a couple of days, it doesn’t mean anything at all.

First appointment

In the first visit, the technician will inspect and diagnose the problem. Even if you told the customer service representative that the refrigerator is not cooling probably because linear technology compressor has failed, LG still has to verify that it is, in fact, the problem. Do not assume that the technician should be aware of it and bring a spare compressor for you.

So, when service tech realizes that the compressor is shot, he/she will have to order a new one from the manufacturer.

This is the time when having a spare refrigerator comes in handy.

Second appointment

The new compressor may arrive in a couple of days, but the technician may not be available for another week or two. You must schedule with LG certified tech only to use the warranty. And eventually, when the technician installs the new compressor your fridge may;

start to work – congratulations
start to work and quit next day
not even start to work

After the linear compressor installation, the technician will tell you that it takes up to 24 hours for the fridge to become cold. Therefore, you must wait for 24 hours before calling LG to schedule another appointment. You may realize that the refrigerator is not working within a few hours after the service tech leaves, but you still need to wait before calling them back.

Scheduling your next appointment may take another week or two. Remember, it has to be an LG certified tech, but your area may have just one available for many disappointed customers.

This is when your second fridge really comes in handy. And you will not panic or get upset because you already knew that this may happen.

Third appointment

On the third appointment, the technician will have to diagnose the problem once again. Most likely there will be a tiny refrigerant leak somewhere in a sealed system. LG technicians do not repair small leaks, they remove and replace components of the sealed system.

Guess what? Technicians don’t have needed parts with them on the truck. So they have to order new parts for you again. And getting those parts may take another week or two.

Aren’t you glad that you have a spare fridge by now? Just do not stop, keep calm, and keep on fighting.

Fourth appointment

The technician arrives with a brand new condenser and evaporator coil. Cuts off old parts and welds the new parts. The welding process is difficult, tedious, and easy to mess up. There is a good chance that a welding seam left a tiny hole from which the refrigerant may escape in a couple of days. Or maybe, a narrow copper tube got blocked during the welding process, so the refrigerant will not be able to circulate. In either case, the fridge will not work.

Fifth appointment

Call LG customer service again and explain that the refrigerator still does not work. Be nice. And this time they will probably transfer you to the EXECUTIVE services.

The supervisor will tell you that the service tech needs to call LG support while he/she is in your home, so they can troubleshoot the problem together.

When the technician arrives, ask him/her to call LG support line right in front of you. The technician and the manufacturer will do some diagnostics together and probably decide to replace something else like filter/dryer which may get clogged because of the bad compressor.

But of course, the new part needs to be ordered, and it may take another week for the service tech to come back.

Sixth appointment

The service technician replaces the new part and says that it takes up to 24 hours to find out if it works. And if the refrigerator still does not work, call LG support again. Verify your identity as usual and ask to speak with executive services.

Please keep in mind that they don’t want to deal with you just as much as you don’t want to deal with them. Be polite and you will get your money back.

But first, LG has to verify that the last repair did not solve the problem so they will send the technician again. Yes, again.

Seventh appointment

This will probably be the last appointment you need to make.

The service tech will verify that the refrigerator still does not work. And, at this point, he/she can not do any more repairs. The technician will have to submit the paperwork back to LG for a replacement or a refund under “multiple repairs”.

Be friendly with the service tech, because he/she may “forget” to submit your request for a refund. Ask the technician how long it would take for LG to receive your request. It should not be more than a couple of days.

When it is appropriate, call LG and explain that your service tech submitted a request for the replacement or a refund. They will transfer you to the executive services, and the supervisor should be able to tell you that they have your request.

The supervisor will crunch some numbers and e-mail you an offer to buy back your refrigerator. Unfortunately, you will not be able to get all the money you spend on the new fridge. They will have to deduct age depreciation but still give you a good chunk of it back.

Congratulation, you've got your money back!

Was it easy? Maybe not, but at least you know what to expect now and this information should make it easier.

Is it worth it? It is up to you to decide.

The process of getting your money back for not cooling LG refrigerator may not go exactly as described here. But it should give you an idea of how the system works.

Most of the people get frustrated and give up on pursuing the justice after the second or third appointment. People throw away the not working LG refrigerator and buy a brand new fridge from a different company.

Do not become a statistic and fight for your refund. You can definitely get your money back from LG with a little patience and persistence.

If you are ready to get your money back from LG for a broken refrigerator, then take the first step now.

Call the toll-free phone number from the label which you can find on the wall inside the fridge or outside somewhere on the back. You will need to provide a model number and a serial number from that label.

Also, have your purchasing receipt handy to prove that you are the original owner.

0 – 1 year old

If your fridge is less than one year old, then all the parts and the labor will be covered by LG. They may even reimburse for spoiled food if your refrigerator stops cooling.

1 – 2 years old

MasterCard, Visa, and AmericanExpress may extend an original manufacturer’s warranty up to 2 years if you bought this fridge with a qualified credit card. Call them first to find out if your refrigerator is covered.

2 – 5 years old

LG may also fully cover the repair of the sealed system (compressor, evaporator, condenser) on some newer models for up to five years. You will need to verify that.

6 – 10 years old

To repair an older fridge you will need to have an extended warranty. If you don’t have one, LG customer service representative will offer you to buy it from an authorized third party vendor (such as Assurant) for about $360.

Yes, you can buy an extended warranty after your LG refrigerator stopped working. And this is a pretty good deal, considering that the repair may cost over a $1000.

Here is an interesting fact, if the third party vendor cannot repair your fridge, they will refund $260 back to you. And later, LG will refund most of the money you spent on that refrigerator when you bought it new.

After you purchase the extended warranty, LG authorized repair shop will schedule your first appointment. And if you read this post from the top, you already know what to expect and how long it may take.

Your area may have only one LG certified technician, so it may be a week or two before he/she can visit you.

Under no circumstances, try to repair not cooling refrigerator yourself. Even if you have a friend who may know how to fix refrigerators. Messing with the fridge components will void the warranty, and you will lose a lot of money. Just buy a small/temporary fridge and be prepared for a long journey of repairs and failures.

By the way, LG slogan up until 1999 was

“We put people first”

Now, the slogan is “Life’s Good.” Apparently, life is good for LG since they do not put people first any longer.

Appliances

Most reliable refrigerator brand

Post author By CS
Post date May 12, 2018

What is the most reliable refrigerator brand today?

It is no secret that new appliances do not last as long as they used to back then, so it is very difficult to find the most reliable refrigerator brand nowadays.

In recent history, most appliance companies have been acquired by the largest brands in the world. So today there is a very small selection of refrigerator brands available to chose from.

There are just about six main companies producing refrigerators:

Whirlpool (USA)
Electrolux (Sweden)
Bosch (Germany)
LG (South Korea)
Samsung (South Korea)
Haier (China)

There are also some luxury brands such as; Sub-Zero, Miele, Viking… but they typically cost about three times as much as regular brands.

You can still buy well known Maytag, Kitchen-Aid, Frigidaire and so on, but they all belong to one of those six brands.

Who makes Kenmore?

Kenmore, known as Sears brand, does not really have a home. These refrigerators are manufactured by multiple companies. And reliability varies depending on who made the fridge. If you look at the label, the first three digits of a model number will represent the code of manufacturer.

In this case, the code is “106” which means Whirlpool made this refrigerator. The quality of this fridge should be slightly better then if it was made by a South Korean manufacturer. Here are some more examples of codes:

106 – Whirlpool
363 – GE
401 – Samsung
596 – Amana
795 – LG Electronics
970 – Frigidaire

Note – Sears is going through bankruptcy, therefore, Kenmore brand most likely would not get a lot of support in the future.

GE brands

An American company GE (Hotpoint) used to make decent basic refrigerators. However, in 2016 GE appliance brands were sold to Chinese multinational consumer electronics and home appliances company Haier. Therefore, it is difficult to recommend GE products at this time.

Bosch brands

The German company Bosch is well known for the good quality of their dish-washing machines. You can also buy a Bosch fridge that looks like a high-end appliance which will increase the equity of your kitchen.

However, the reliability of Bosch refrigerators is just about average. The bigger problem is that Bosch brands do not have enough well-trained authorized technicians in North America. So, when your ice-maker stops working, and most likely it will, you may not be able to find anybody in your area to fix it. Just because big-box retailers sell European appliances, it does not mean they can service them in a timely manner.

Electrolux (Frigidaire)

If you grew up with Frigidaire fridge in your kitchen which worked like a clock for a few decades, be prepared to be disappointed when you replace it with a new Frigidaire refrigerator. A Swedish company Electrolux is in charge of what used to be a great and reliable American company. The quality and reliability have gone down dramatically since then.

Whirlpool brands

Whirlpool is the largest appliance company in the world carrying famous brands such as; Maytag, Amana, Kitchen Aid, Roper, Jenn-Air and more.

Whirlpool and Maytag used to make the most reliable refrigerators on the market. However, even they are having problems with computer motherboards, defrosting, and leaking water on the floor according to Michael Grimshaw, a veteran technician in Home Appliance.

LG & Samsung

South Korean LG and Samsung refrigerators are typically cheaper to buy and have fairly good sealed-system warranties. The problem is that most likely components of the sealed-system (compressor, evaporator, condenser) will fail and you will have to use that warranty. The second problem is that it may be difficult to quickly find an authorized technician in your area who can repair it.

Sealed-system failure is one of the worst things that can happen to your fridge.

For example: if your ice-maker or water-dispenser stops working, you can still use the fridge to cool groceries. But if the sealed-system brakes down, the refrigerator becomes a warm, useless box.

Here is an interesting story from Nathan Nelson. (Field Service Technician) When he was in training class for new Samsung models coming to market, the Samsung representative was repeatedly asked why the reliability of their refrigerators is so bad. In the end, he gave up and unwillingly replied…

“…we only care about the first year, if we can get our fridges to work for one year we are good. After that it’s more business for you, the Service-Tech guys”

While one Samsung rep told the truth about the company, it seems that all appliance companies have similar goals. All they want is for a refrigerator to work until manufacturer’s warranty expires. Then make the repair so difficult and expensive, that you would want to buy a new fridge. And since the competition is not that great anymore, they do not really care who you buy your next refrigerator from.

Customer Complaints

If you do a little research on any refrigerator brand, you will see people swear that they will never buy this or that brand again…

…won’t be purchasing Bosch products again…
…very disappointed with LG support…
…I will never buy a Haier product again…
…worst Kenmore I ever owned…
…not Maytag as I knew…

What this means is that every single brand has its own problems.

Good reviews

Can you really trust good reviews?

Well, when you see high review ratings on refrigerators, keep in mind that appliance sellers (stores) collect most reviews right after the purchase. And at that time customers are happy and excited about their new shiny appliance. However, problems typically begin after the positive review has been registered, and especially after one-year warranty expires.

No reliable refrigerator brands

As you probably realized by now, there is not a single reliable refrigerator brand today on the market, regardless of a price.

But we all need a refrigerator in our home, so which one do we choose?

There is no simple answer that will fit everybody. It all depends on what exactly you are looking for.

Are you looking for…

reliability and simplicity
style and reliability
the best money can buy
and how will you pay for it (important)

Reliability and Simplicity

If you are looking for a simple, reliable refrigerator and do not really care about how it looks, then buy a domestic top-freezer refrigerator. This design is based on the original “Ice Box” refrigerator which utilizes natural cold/warm air circulation. Even if evaporator fan stops working, the cold air from the top freezer will slowly drift down to the fridge section and keep it cool until you fix the fan.

Top-freezer refrigerators are typically more reliable then bottom-freezers or side-by-side refrigerators.

The most reliable top-freezer refrigerator will be the one with condenser coils on the back running almost to the top of the fridge. This is a passive cooling system (no fan needed) which used to operate for decades without problems. They do not make those refrigerators any longer, but you may be able to find one of them in used condition on Craigslist for a bargain price.

Style and Reliability

Need some style in your kitchen? Then consider a French-Door bottom-freezer American made Whirlpool refrigerator. New French-Door Whirlpool refrigerators over $1,500 have one year manufacturer’s warranty and five years sealed-system parts and labor (verify at the time of purchase). Included labor in the warranty is important because it costs a lot of money to have service technicians come out multiple times to your home.

KitchenAid has a better warranty but will cost a few hundred dollars more for a similar design.

Also, when something goes wrong with the fridge, Whirlpool brands have a vast network of authorized technicians who can work on those refrigerators. That means that your fridge will be fixed faster than European, Korean, or Chinese brand.

Since you are looking for a somewhat reliable and stylish refrigerator, some sacrifices need to be made to make it more reliable.

Ice and water dispensers are useful features of any refrigerator. However, they brake more often than you would like. If you read hundreds of complaints, most of them would be about Ice/Water Dispensers. Even the most expensive refrigerators at over $10,000 have those problems.

A malfunctioned water dispenser is not only an inconvenience, but it could also cause rust and mold to your refrigerator. Slowly dripping water dispenser can ruin your expensive kitchen floor. So, if you can live without a dispenser, do not waste your money on it.

Dual evaporator system is a great innovation where one cooling element is located in the freezer and the second cooling element in the fridge compartment. This design helps to keep a more precise temperature in both sections of the refrigerator.

However, since the second evaporator is a part of the same “sealed system” it creates an extra weak point. Dual evaporator models have more problems with leaking refrigerant than regular, single evaporator refrigerators. Therefore, try to find a regular single evaporator model if you can.

Extra complexity reduces reliability.

Ironically, the cheapest refrigerator you can buy without any “bells and whistles,” would be the most reliable one.

Door Alarm (feature worth getting)

Simple refrigerator would be the most reliable. However, French-Door refrigerators, unlike single-door refrigerators, do not close by themselves. You have to physically push on the door to close it. Sometimes, you or your kids may forget to shut the door completely, which will defrost your refrigerator, and possibly damage the compressor.

In this case, the best safety feature to have is a Door-Alarm which will notify you if the door is still open. Try to buy the most basic refrigerator with this important feature.

The best money can buy

If your refrigerator budget is around $10,000 consider a built-in Sub-Zero refrigerator brand. Installing a Sub-Zero refrigerator in your kitchen is like parking a Ferrari or Bentley in front of your house.

Million dollar home buyers know Sub-Zero brand very well, and it would definitely make your kitchen and home more desirable.

In the past, Sub-Zero refrigerators were very reliable going strong for 20 -30 years. However, with the introduction of ice and water dispensers, reliability went down. Sub-Zero has a great warranty, but you have to make sure that there are qualified repair specialists in your area before buying the most expensive fridge in your life.

Sub-Zero refrigerators have some unique features like NASA designed air-purification system, dual compressors, commercial grade nanotechnology shelves, and vacuum seal.

While the competition is catching up, the Sub-Zero brand is still a status symbol for proud homeowners. And installation of Sub Zero appliances is actually considered as an investment into your home rather than an expense.

How you will pay for it (free warranty)

Whether you are buying the cheapest or the most expensive refrigerator, how you pay for it is an important consideration.

Did you know that if you pay for a brand new refrigerator with a credit card serviced by MasterCard, VISA, Capital One, or American Express, you will get at least an extra year of free warranty? Read more about the extended warranty here.

Exceptions: The refrigerator must be new, not a floor-model or refurbished.

Yes, by putting the full purchase amount on a single credit card you are protected from appliance failure for an additional twelve month after the manufacturer’s first 12-month warranty expires. Make sure you save the receipt from the store, the credit card bill for that month, and a copy of the manufacturer’s warranty in a safe location.

Some credit cards offer 24-month free warranty extension, but you will have to verify it for yourself before making a purchase.

So. even if you have saved enough money to buy a new refrigerator with cash, it is better to put it on the right credit card and pay it off in full next month. That way, you will get the additional warranty protection for free.

Manufacturer’s Warranty

Since modern refrigerators are not as reliable as they used to be, it is important to have an extra protection like a warranty. Different brands offer unique warranties. Even a single brand can offer different coverage on various models of refrigerators. Also, warranties change over time, so make sure to check exactly what you are getting before the purchase of a refrigerator.

Here is the list of warranties you may expect from different companies. (better warranties on top of the list including parts & labor)

Sub Zero – 2y Limited, 5y Sealed Sys. parts&labor, 12y Sealed Sys. parts

KitchenAid – 1y Limited, 5y Sealed Sys. parts&labor, 10y Sealed Sys. parts

Samsung – 1y Limited, 5y Sealed Sys. parts&labor, 10y compressor parts

LG (Studio) – 2y Limited, 2y Sealed Sys. parts&labor, 7y Sealed Sys. parts, 10y Compressor parts

Whirlpool (above ~ $1,500) – 1y Limited, 5y Sealed Sys. parts&labor

GE (Profile & Cafe) – 1y Limited, 5y sealed Sys. parts&labor

LG – 1y Limited, 7y Sealed Sys. parts, 10y Compressor parts

Haier – 2y Limited

Maytag – 1y Limited, 10y Compressor parts

Electrolux – 1y Limited, 5y Sealed Sys. parts

Bosch – 1y Limited, 2y non-electronic parts, 5y electronic parts

Whirlpool – 1y Limited

Kenmore – 1y Limited

Frigidaire – 1y Limited

GE – 1y Limited

Hotpoint – 1y Limited

Amana – 1y Limited

Danby – 1y Limited

And of course, if you buy your refrigerator with the right credit card, the first year of Limited Warranty (which is the best kind of warranty) will be extended by at least one more year. And if you have a really good credit card, the warranty may be extended by two more years.

Maintenance

Refrigerators do not require a lot of maintenance, which is great.

However, condenser fan on the bottom of your refrigerator pulls-in a lot of dust, lint, and hair. All this stuff settles on condenser coils, covering them like a blanket. Condenser coils supposed to dissipate heat from normal operation of the refrigerator, but the thick layer of dust prevents it from doing its job. The compressor has to work much harder to cool your refrigerator to the desired temperature.

At first you may notice that the refrigerator is not cooling as well as it used to, and eventually, an overworked compressor will die after the warranty expires.

If you clean condenser coils at least once a year or twice if you have pets, the refrigerator will become more reliable. Also, you will save some money on electricity, because the compressor will have shorter working cycles.

Some condenser coils are easy to clean from the front or the back of the refrigerator. You can use a vacuum cleaner and a coil brush to loosen up the debris.

But some refrigerator brands make it very difficult for you to clean condenser coils by installing a grill in front of it. Wonder if they do it on purpose.

In either case, if you want to save money on your electric bill and make your fridge more reliable, try to clean those coils regularly.

In conclusion

There are no reliable refrigerator brands today in 2020.
Buy a domestic brand (Whirlpool, Maytag in the USA) which can be quickly repaired by local technicians.
If you are looking for reliability, then buy the simplest refrigerator you can find. All “bells & whistles” malfunction, especially Ice/Water dispensers.
Buy refrigerator with relatively long manufacturer’s warranty.
Put refrigerator purchase on a credit card which offers at least 12-month warranty extension.
Keep condenser coils clean to prolong the life of the compressor.

(Even if your fridge is under warranty, but the service tech finds super dirty coils, the warranty may be rejected. You must keep coils clean for the manufacturer to repair your refrigerator under warranty).