Cellular Telephone Protection
Cellular Telephone Protection can reimburse the eligible Dillard’s American Express® Cardholder for damage, theft, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance has been exhausted. The reimbursement is limited to the cost of the repair or replacement of your original cellular telephone, minus a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e., those that disappear mysteriously). This protection is only available when cellular telephone bills are paid with a Dillard’s American Express Card. The coverage does not apply if the cellular telephone bill is paid with a Wells Fargo debit card, Wells Fargo business credit card, Wells Fargo commercial card or a card that is linked to a line of credit. Eligible cell phones are the lines which appear on your last cellular wireless telephone service provider’s monthly billing statement for the billing cycle prior to the date on which the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins on the first day of the calendar month after the first cell phone bill is paid with your eligible Dillard’s American Express Card, and remains in effect if you continue to charge your total monthly cell phone bill to your Dillard’s American Express Card. This protection may not be equal to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to the Dillard's American Express® Card Guide to Benefits.
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Dillard's American Express Credit Card to get up to $600 protection.