That is what the salesman told me. He said "you should buy the insurance plan, if any thing goes wrong with the card, we'll replace it or even if nothing goes wrong you can return it for store credit at the end of the plan." I said "that?s a great deal, so I can't lose either way?" He said ?yeah?. Now, if your right and the salesman was lying to me to get me to buy a warranty, then of course I will not lie and say that it is broken. (Again, wouldn't they test it anyway?) However, I will inform them of what I was told and what I thought I was paying for. If I thought I was going to commit fraud, I certainly wouldn't advertise it here for all to see. I bought a warranty for a car stereo before and they said if I never used it, I would receive store credit for the price of the warrantee. I thought this was the same kind of thing. If I'm wrong, I'm wrong.
Thanks again to those above for your helpful suggestions.