Use your Global Credit Union Visa Gold and Visa Platinum card for your purchase and you get extra return protection anytime you make an eligible purchase of an item up to $300. If within 90 days you become dissatisfied with your purchase and the merchant will not accept your return, then Return Protection is there to help. Available to all Visa Infinite cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Q: What if the store already offers a guarantee?

A: This benefit pays in excess of applicable store guarantees or other return benefits you have. That means that if the store where you made your purchase refunds you in full for your purchase price, this benefit does not apply. But, if you do not receive your full purchase price or the store will not accept your return, this benefit is there to help you recover some of these expenses. Because many stores have a 30-day guarantee, if you file a claim within the first 30 days of purchase you may be asked to submit proof of the store’s return policy. You can be reimbursed under this benefit once all other coverage has been exhausted up to the coverage limit.

Q: What are the timelines for filing a claim?

A: You must notify the Benefit Administrator within 90 days of the purchase, and submit your completed claim form and supporting documentation within 30 days of notifying the Benefit Administrator of the claim.

Q: What do I need to submit with my claim?

A: In addition to the claim form, you will need the following:

  • An itemized sales receipt for the purchase — if you don’t have this, the store where you made the purchase may be able to print a duplicate receipt for you
  • Your Visa Infinite card billing statement showing the purchase — your bank can usually make a copy for you
  • The original receipt demonstrating that the entire purchase was made on your Visa Infinite card
  • The Benefit Administrator may ask you to provide additional information — you will have an additional 60 days to provide this

Once the claim information is complete, the customer service representative will provide instructions for shipping the item with its original packaging and any applicable manuals and warranties to Card Benefit Services at your expense.

Please note that Card Benefit Services must receive the item in like-new/good working condition before the claim can be approved.

If you have any questions or are experiencing difficulty obtaining documents, simply call 1-888-221-3289 for assistance.

Q: How long does it take for you to decision the claim?

A: Under normal circumstances, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

Easy claim process

Go to or call 1-888-221-3289 within 90 days of the date of purchase to file a claim or get your questions answered.