<prompt> Human: Hi,I bought an iphone on contract with my carrier a year and a half ago. Im having some issues with the phone that I want fixed. Since Im not on applecare or on the limited Apple 1 year warranty Im not elligible for any replacement repair. The apple store is offering to replace my Iphone5 with a new Iphone5 for about about 300 taxes. I want to avoid paying these 300 since the phone is not even 2 years old and Id have to pay a similar amount to break my contractI actually bought the phone on contract with my carrier which ended up costing me not a lot... I paid about 150 on the Bill that came after. I want to submit a claim to my credit cards insurance company but I dont know what to put in or dont know what to expect because :1 The phone was bought on contract Which is technically not mine entirely until the end of the contrat2 The replacement cost is higher then what I paid when I purchased the phone.Did anybody run into a similar situation?What should I do?Thank you!!  <response>: Call your credit card company and talk to someone. You wont know whats covered or how to submit a claim until you do.The worst they can say is no. 