Huh? See that’s what I mean. Many people don’t understand the benefits. It’s NOT entitlement or fraud! It’s simply the purchase protection benefit.

“Purchases made with the Platinum Card in the event they are accidentally damaged, stolen, or lost for up to 90 days from the date of purchase are covered”.

You have 3 months of coverage no matter if you accidentally damaged or lost or stolen. I’ve had many friends that bought expensive Armani shirts and then had ink stain it and AMEX bought them a new one.

It’s just one of those benefits. This has nothing to do with entitlement issues. This has everything to do with paying $450 a year annual fee to get a certain set of benefits including this amazing feature.

If you got fire insurance for your house and then it burned within 2 months and the insurance company covered it, I doubt you would expect people to say you have “entitlement issues”. You’d simply be taking advantage of your coverage.