TWG Innovative Solutions Inc

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I have a credit card that uses TWG Innovative Solutions as their carrier for lost, stolen or damaged items you bought with the credit card. It says lost, stolen or damaged, but what they really mean is we say we cover these things, but unless your item was stolen at gun point, it isn't covered and nothing lost is covered and damaged, well it better not be your fault or any elses (how else does something get damaged?). So I feel bad for my credit card company because they pay a premium to this place for coverages that don't exist.