My first post, my first smartphone EVO & my first Android device, so please be gentle I am planning to buy an EVO, so a little cautious with the whole process. Sprint does provide insurance, which I know covers damage, loss, etc... but was wondering if any of you have any experience with your Credit Card company that extends the product warranty. I just talked to my CC company and the rep said that if I purchase any device with my CC then they would extend the warranty by an additional year i.e. Manufacturer's warranty + 1 year. I was thinking about not going for the Sprint warranty and instead rely on HTC 1 year + CC additional 1 year warranty. Has anybody ever experienced any product damage especially cell phone damage/loss/issues and how the CC covers it? Any thoughts or experiences are most welcome.