matter of opinion, if you think getting an engine for $20 less + the loss of an extra of warranty + all the other protections is worth it.
Not sure how this is affected by method of payment. If you buy a new, currently-produced item from an authorized dealer, you'll get a warranty regardless of how you pay (get a receipt). If you buy from someone else, or it's old production, you're on your own. At any train meet, one should always assume "as is, where is" unless it's in writing otherwise.
using the C/C gets you an EXTRA year of warranty on top of what the manufacturer gives you. example, Vision line loco gets 2 year warranty, by using most C/C's you will now have a 3 year warranty which includes the shipping. and you get all the purchase protections your C/C offers also. to me well worth the extra few bucks you pay for the item.
Have you ever made an extended warranty claim via your CC? How much of a hassle was it?
I have 3 times, absolutely no hassle with MC or Visa, once the purchase was verified and i sent them a copy of the warranty they paid. 2 weeks tops. I did a TV, VCR and refrigerator. 100% satisfied and would expect no less from them. and you really have to see all the protections you also get, besides the 1.5 cash back. well worth it.
