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One of the greatest conveniences that shoppers have is the ability to return purchases for a refund. Retailers’ return policies allow you to make a purchase knowing that you can always take it back if it doesn’t work out or you change your mind. (See also: 7 Retailers With the Absolute Best Customer Service)

But what if the deadline for a return has passed? Or the store rejects it on some other grounds? This is where your credit card may be able to help. Some cards offer return protection programs (also known as return assistance or return guarantee) that will get your money back, even when the retailer refuses.

How Return Protection Policies Work

Return protection policies are meant to be a backup plan for store returns, not your primary defense. To qualify, you have to make the purchase with your card and if you’re dissatisfied with the item, you need to try to return it to the store first. Only if…