November 11, 2026

Swollen Phone Battery: When Fixing Beats Buying

The back cover has stopped sitting flat. Or, more precisely, it rocks when you press one corner. That is a swollen phone battery, and the next move is not a price check: power the phone off, unplug it, and only then decide whether to keep it, repair it or replace it. Below is the sum, and where it breaks.

Exploded view of a swollen phone battery under a lifted back cover, with repair fee, free swap and break-even cues

Power it off and stop charging now; then repair the battery if the phone still has about a year or more of updates left, and replace the phone if not.

  • Swelling is a safety fault, not ordinary wear, so it outranks any price sum.
  • Inside the first year, claim a warranty repair before you pay for anything.
  • Get the fee in writing, divide it by your months of updates left, and compare it with a new phone's monthly cost.

Why a swollen phone battery is a safety call first

A swollen battery is a damaged cell rather than a worn one, so safety comes first and the money question second, whatever the repair quote turns out to be.

The US Environmental Protection Agency's battery tip sheet (updated 22 July 2026) says swelling "is a sign of damage and defects in lithium batteries and can precede battery fires." So the answer to "can I keep using it?" is no. It also rules out curbside trash and recycling bins, so ask your local household hazardous waste program where a dead swollen phone goes.

Money is second, and someone else may pay first. Card benefits can stretch a warranty, as in who pays when a laptop fails after the warranty ends, and some states' rules, covered in US state right-to-repair laws after the warranty ends, may widen your repair options.

Four figures decide most of this: the free-repair window, a paid repair's opening price, the free swaps allowed and the wear line. Sources: Google's Pixel 7a page, Apple's service page and 9to5Mac, 17 September 2026.

Pixel 7a Free-Repair Window

3 years

Lapsed for buys before Nov 2023

Newest Pro-Class Battery Fee

$129

Opening price, not a final quote

Free Swaps Per Pixel 7a

1 swap

Google allows one per device

AppleCare+ Free-Swap Line

80%

Wear test, not a swelling test

That capacity line is a wear test. Apple's page does not say how a swollen cell is handled under AppleCare+, so a healthy reading settles neither safety nor coverage. Ask the counter and get the answer in writing.

"

Our view: a battery-health percentage measures wear, not swelling. A phone that reads healthy but sits warped on the desk belongs switched off, not plugged in.

Safety and warranty come first. The money turns on one comparison.

Is it worth replacing the battery or buying a new phone?

It is worth replacing the battery whenever the repair fee, spread over the months of security updates your phone still has, costs less per month than a new phone spread over its expected life.

Updates set how long a repaired phone stays worth owning, so the fee is spread across them; the new phone's price, after trade-in, is spread across the months you would keep it. The lower monthly figure wins. Our call: never judge the fee alone, because a repair on a phone about to lose updates is dear however small the fee.

Worked example: assume a $119 fee (the price MacRumors reports Apple has always charged for 16 Pro and 17 Pro models), 36 months of updates left, a $500 phone after trade-in and 48 months of life from it. Repair: $119 ÷ 36 = $3.31 a month. Replace: $500 ÷ 48 = $10.42 a month. Break-even: $119 ÷ $10.42 = 11.4 months. That is our arithmetic, not a published figure; it ignores resale value and any second fault.

Repair the battery or buy a new phone?Keep the phone switched off while you decide. Set your fee, your months of updates left, and the replacement phone's price and life.
Your numbers
Repair, per month of updates$3.31
New phone, per month$10.42
Break-even months left11.4 months
Repair costs $3.31 a month against $10.42 for a new phone, so repair wins once the fee is in writing.Sliders need JavaScript. Figures shown are the article's example.Fee as reported by 9to5Mac and MacRumors for Apple Pro-class models, September 2026; phone price and life are assumptions. Not financial advice.

Your sum takes a minute: divide your written fee by your months of updates left, then set it against the new phone's monthly cost. Then find your row below.

If youDo thisBecause
Inside year oneClaim a warranty repairApple covers defects for 1 year
Pixel 7a ownerCheck Google's repair pageFree fix if your purchase date qualifies
12+ months leftRepair the batteryFee spreads thinner than a new phone
Under 12 monthsPrice a new phoneFee spreads over too few months
Anything elsePower off, get a written quoteEvery other answer hangs on the fee
6 months left $19.83 a month, replace wins 12 months left $9.92 a month, repair wins 24 months left $4.96 a month, repair wins 48 months left $2.48 a month, repair wins

Reading it: it answers how many months of updates a $119 repair needs before it beats a new phone's monthly cost. Derived by dividing the fee by months left and comparing the result with the worked example's new-phone figure.

The 12-month line is the default sum rounded up. A dearer new phone or a shorter life moves the break-even earlier; a cheaper phone moves it later.

Is a swollen battery covered by warranty?

Sometimes: Apple's Limited Warranty covers manufacturing defects for one year from purchase but not batteries that wear down from normal use, and its service page does not mention swelling, so a claim rests on how the fault is classified.

Our reading: swelling in the first year is a manufacturing fault, not wear, so ask for the repair in those words and keep the answer in writing. After that it is a paid repair unless a plan like AppleCare+ applies. If a seller refuses help on a recent purchase, see chargeback rights when a seller says no.

Check for a maker programme first. Google's Extended Repair Program for the Pixel 7a (announced 23 April 2025) offers one free replacement per eligible phone, with walk-in service in the US, within three years of the original retail purchase. On that wording, a 7a bought before 11 November 2023 is already outside it.

Waiting for Europe is the other trap. Compliancegate's summary of Regulation (EU) 2023/1542 reports that from 18 February 2027 users must be able to swap portable batteries, with spares on sale for five years after a model's last unit sells; phones that keep 83% of capacity at 500 cycles and 80% at 1,000, with IP67, may be exempt. We could not open EUR-Lex, so treat that as reported. Our arithmetic: a model last sold in December 2027 owes spares until December 2032, yet your phone is swelling now. If you replace, read a refurbished phone warranty first.

  • Fees: Apple's page says tax may apply and shipping may be added, and 9to5Mac notes Apple inspects the phone to set the final fee, so get the total in writing.
  • Shipping: the EPA tells collectors not to ship damaged lithium batteries by air, so ask how a mail-in service handles a swollen phone.
  • Backup: do not plug in for a last backup; your current cloud copy is the copy.

Check these before you pay anything

  • Your back or screen no longer sits flat, so it stays unplugged.
  • Your purchase date is under a year ago.
  • Your maker's repair page lists your exact model.
  • Your written quote includes tax, shipping and inspection.

Our call: repair when your phone has about a year or more of updates left and the written fee is near Apple's Pro-class price; otherwise replace the phone. This week, power it down, get a written quote, and put that fee into the calculator above.

How we checked this

We read Apple's iPhone battery service page (copyright 2026, opened 11 November 2026), Google's Pixel 7a repair page (11 November 2026) and the EPA battery tip sheet (updated 22 July 2026). Apple's price estimator did not load, so fees are as 9to5Mac reports; EU terms are as Compliancegate reports, as EUR-Lex was unreadable. The worked example assumes a $119 fee, 36 months of updates, a $500 phone and 48 months of life. No product was tested hands-on for this article.

Last verified: 11 November 2026. Edited by G Ragu, reviewed after publication. Spotted something out of date? Tell us and we will correct it.

November 05, 2026

Laptop Failed After Warranty: Card, Law or You

The screen goes black, the fans keep spinning, and the sticker underneath says the warranty ended weeks ago. This is the laptop failed after warranty moment, and most owners assume the bill is theirs. Don't, yet. Three parties might owe you something, each with a clock, a document and a trap. Here is the order I would check them in, and whether I would keep, repair or replace.

Poster showing who pays when a laptop failed after warranty: the card extension, implied warranty or you

A dead laptop after the warranty has up to three payers, so ask in the right order before you pay.

  • Report the fault in writing before the warranty ends; the maker must still fix it afterward.
  • An Amex-type card can add up to one year of cover, but check for store protection plans first.
  • Implied warranty can last up to four years in some states, unless the sale was as is.
  • With every window shut, compare the repair quote with a like replacement before paying.

Why a laptop failed after warranty is not always your bill

It is not always your bill, because three payers can sit behind a dead laptop: the maker, through a fault you reported in time, your card's extension, and the seller, through an implied warranty.

Start with the one most owners miss. The FTC's warranties page, last modified in December 2025, says a company must correct a defect reported during the warranty even if the warranty expires before the fix. So your report date, with proof, beats the shop's repair date. An email in week 50 beats a phone call in week 54.

Next, the card. American Express's Extended Warranty guide (Rev. 4/19/2024) adds up to one additional year to manufacturer warranties of five years or less. It pays "Replacement Cost", the lowest of the repair cost, a like replacement or what you charged, and does not promise which remedy you get.

These four numbers decide most claims: how far a card stretches the clock, how big a claim it takes, what paperwork it wants, and when a vendor writes a machine off.

Card Extension Reach

Up to 12 months

Month 14 in, month 26 out

Card Cap Per Purchase

$10,000

Never the limit on a laptop

Papers Amex May Ask For

3 items

Get the estimate before repair

One Vendor's Write-Off Line

75% of value

A convention, not a law

The paperwork is where claims stall. The guide wants the itemized receipt, the maker's warranty and any service contract, and a photo or repair estimate form, so get the estimate before a shop opens the case.

"

The card adds up to a year, not a blank cheque: it pays the lesser of the repair, a like replacement or what you charged.

Then the law. The FTC says an implied warranty of merchantability applies even with nothing written down, and that implied warranties last as long as four years in some states. So a month-14 failure may be claimable against the seller; a month-60 one probably is not. UCC 2-316 lets a seller disclaim merchantability only in conspicuous written language that mentions it, or by selling the item as is where state law allows. It is the weakest lever of the three, or at least the slowest: a negotiating position, not a refund you can demand.

Our guides to statutory warranty rights after the 12-month maker warranty and right-to-repair laws after the warranty ends cover the state-level detail.

Worked example: assume a one-year maker warranty, a month-14 failure, an Amex-type card with no store plan, a $650 repair quote and an $800 like replacement. The card stretches cover from 12 to 24 months, so month 14 is inside it. The payout is the lesser of $650 and $800: $650. Repairing costs you $650 minus $650, or $0; replacing costs $800 minus $650, or $150. Without the card, the same repair costs $650, about 81% of $800. Your sixty-second check: divide your quote by a like replacement's price, then move the sliders.

What would a dead laptop cost you?Set the month it failed, the maker warranty, your card cover and the two prices. The result shows who pays and what is left for you.
Your numbers
Maker warranty
Card cover
Card payout$650
Your cost to repair$0
Your cost to replace$150
Quote vs replacement81.3%
The card window is open. Notice is due within 30 days of the loss. Repairing costs you $0; replacing costs $150.Sliders need JavaScript. Figures shown are the article's example.Amex Extended Warranty guide (Rev. 4/19/2024): up to 1 added year; pays the lesser of repair, like replacement or amount charged. Implied warranty is not modelled. Not legal advice.

Who pays for laptop repair after warranty? Find your row

Who pays depends on which clock is still running: the maker if you reported the fault in time, your card in its extra year, the seller under implied warranty, or you once all three have closed.

Find your situation, then read across; the last row is the default.

If you Do this Because
Reported in time Report by week 50; keep the case number Fix is owed even after expiry
Card year two File notice within 30 days; proof in 60 Pays lesser of repair or replacement
Store plan bought Ask your issuer before relying on it Plan can switch off card cover
Sold as is Check receipt and listing wording As is can end implied warranty
All windows shut Compare quote with a like replacement Above $600 on an $800 laptop, replace

The card row is where timing bites: the clock starts at the loss, not the quote, so a shop that sits on your laptop spends your clock.

Who pays for an $800 replacement at month 14 81% 19% Card pays $650 You pay $150

This settles whether to let the card claim come before you buy a replacement. Derived from the worked example: an $800 replacement less the $650 payout leaves $150.

Is repairing a laptop out of warranty worth it?

Often not, once the quote nears the price of a like replacement, because a repaired machine keeps its age and its wear; the quote and the machine's age together decide, not the fault alone.

Digital Citizen reports an MSI Raider GE77HX owner whose roughly $6,000 laptop failed about 18 months in. MSI diagnosed it in August 2024, called it Beyond Economical Repair under that 75% rule, then quoted $1,800 for a motherboard once the warranty ended in November 2024. The lever was the dated diagnosis, three months before expiry.

If yours was bought refurbished or renewed, see our piece on refurbished and renewed electronics that fail early; the seller's terms may be the real contract.

  • A maker's write-off label is its own rule; ask for the estimate in writing.
  • Back up the drive before it leaves your hands.
  • Confirm your own card's benefit and exclusions in writing; the guide read here is one issuer's.

Check these about your own laptop

  • The receipt or listing says as is.
  • You paid by card and bought no store protection plan.
  • You can date the first symptom from before the warranty ended.
  • Your state's implied warranty length still covers your purchase date.

My call, and the one thing to do this week: gather the receipt, card statement and warranty paperwork, date the first symptom, and send the maker a written fault report before anyone opens the case. If a window is open, claim and keep the machine; if all are shut, I would repair under half a like replacement's price and replace above about three-quarters, letting age settle the middle. If a seller refuses a valid claim, see our guide to chargeback rights for a faulty gadget the seller refuses to refund.

How we checked this

We read the American Express Extended Warranty guide (Rev. 4/19/2024), the FTC warranties page (modified 9 December 2025) and UCC 2-316 (accessed 6 November 2026). The worked example is our arithmetic on stated assumptions: a 12-month warranty, a month-14 failure, a $650 quote, an $800 replacement. No product was tested hands-on for this article, and it is not legal advice. Last verified: 6 November 2026. Edited by G Ragu, reviewed after publication. Spotted something out of date? Tell us and we will correct it.

October 30, 2026

Section 75 Refund: Is Your Gadget Over £100?

Say a £300 pair of headphones dies in month fourteen. The shop points at its twelve-month guarantee, the maker says the same, and most people stop. That is where a section 75 refund becomes the claim nobody makes. It needs two checks, not a fresh receipt: the price of the one item, and the payment line on your statement.

Section 75 refund barrier at £100 with headphones above it, speaker below

Yes: if one gadget cost over £100 and any of it went on a credit card, your card issuer is liable alongside the shop, even after the guarantee ends.

  • £100.00 is out and £100.01 is in; each item's own price counts, never the basket.
  • Wholly debit-card or bank-transfer payments fall outside it; use chargeback instead.
  • Past month six, expect a refund reduced for use and bring evidence the fault started early.

Does a Section 75 refund cover a gadget over £100?

Yes, Section 75 of the Consumer Credit Act 1974 covers a single gadget with a cash price over £100 and up to £30,000 when any part went on credit, because the card issuer shares the seller's liability. Under section 75(1), as in force to 25 October 2026, you hold a “like claim” against the issuer for the seller's misrepresentation or breach of contract, and the two are jointly and severally liable.

The shop's guarantee is a separate promise, and its expiry proves little. The Financial Ombudsman Service October 2024 myths page upheld a complaint about a sofa that developed faults about 18 months after purchase, even though the retailer had gone into administration. Satisfactory quality, not guarantee length, decided it; our piece on who pays at month 14 covers the retailer's side.

Four numbers decide most claims: the price floor in Section 75(3)(b), the six-month presumption in Consumer Rights Act 2015 section 19(14), and the card share from the ombudsman's October 2024 holiday case.

Lowest Price That Qualifies

£100.01

One penny over the line

Fault Presumed Window

6 months

Counted from delivery day

Card Share That Still Won

25%

Derived: £1,250 of £5,000

Price Test Applies To

1 item

Never the basket total

The card share is the quiet one. The ombudsman tested the cash price of the holiday, not what the card carried, and ordered the money back in full with interest, so a small deposit on the card keeps the whole purchase inside the rule. Debit-card buyers are on a different route, set out in our guide to chargeback rights when the seller says no.

"

My stance: Section 75 gives you a route to the money, not a depreciation table. Past month six, expect a negotiation, not a formula.

Real buyers stall at the first refusal. In June 2025 a Mumsnet poster said a card issuer declined a cracked styling tool on the ground that it “became faulty after use”, then refunded in full after one call the next day. One thread is an anecdote, not data (I would not stake a claim on it), but a first refusal can be an opening position. Common advice says exhaust the retailer first. For a card purchase over £100 I would write to the issuer in parallel, since the statute already makes it liable.

Does the Section 75 £100 limit apply per item?

The £100 limit applies to each single item's cash price, never to a basket total or to the amount you put on the card, so a gadget bought alone is tested alone. The ombudsman rejected a claim on four £45 tickets plus £10 parking and a £19 booking fee: no single item cleared £100, so the £209 basket did not count. A £60 charger and £90 earbuds bought apart total £150 yet neither qualifies, while a £150 bundle sold as one item can; that comparison is my derivation, not a ruling. Find your row.

If your case isYour moveWhat decides it
£90 earbudsAsk the shop, or try chargebackNeeds a cash price over £100
£120 of £900Claim the whole £900Card share does not cap the claim
Debit card onlyUse chargeback, not Section 75Wholly debit or transfer is outside
Add-on cardAsk the issuer before relyingMain cardholder must be the buyer
Over £100, creditClaim from the card issuerIssuer is liable alongside the shop

Two rows decide most gadget claims: the receipt price and the payment line on your statement. Both take two minutes to check.

Worked example: a £300 pair of headphones, £100 of it on a credit card and the rest on debit, fails in month 14. Assume a four-year life, or 48 months; that is my guess, not a statutory figure. The item clears the single-item test and the card share does not cap the claim, so the ceiling is the full £300. Remaining life is 48 minus 14, so 34 of 48 months, or 70.8%, and 70.8% of £300 is £212.50 as an opening ask on these assumptions.

Does your claim qualify, and what could you ask for?Enter the single item's price and how you paid. The result shows a ceiling and a rough ask, using your own guess at the gadget's life.
Your numbers
Payment method
Most a claim can reach£300.00
Rough ask after use£212.50
After six months expect a deduction for use. A fair opening ask is near £212.50.Sliders need JavaScript. Figures shown are the article's example.Price limits from s75(3)(b) as in force to 25 Oct 2026; part-payment rule from the FOS myths page, 24 Oct 2024. The reduction for use is an estimate on your guess, not a rule. Not legal advice.

Day 30 Reject window closes Month 6 Fault presumed until here Month 14 Estimate £212.50 Month 24 Estimate halves to £150

Which clock is running on your gadget decides how firm your claim sounds. Day 30 is the Consumer Rights Act section 22(3) reject window and month 6 comes from sections 19(14) and 24(10); months 14 and 24 follow from the worked example.

Why do Section 75 claims get stuck?

Claims stall mainly when the issuer says the fault arrived after purchase, or when the person claiming was not the main cardholder who made the purchase. For the first, ask the issuer to look again, then complain to the Financial Ombudsman Service, which is free. For the second, the ombudsman's dress case is blunt: a secondary cardholder's claim failed because the primary cardholder had no part in the purchase.

Time cuts the other way. Section 19(14) of the Consumer Rights Act 2015 presumes a fault was there on delivery if it appears within six months, and section 24(10) bars a deduction for use if you reject within those months, motor vehicles and some specified goods excepted. After month six the presumption stops helping and section 24(8) lets the seller deduct for use. Section 23 also requires a repair or replacement “within a reasonable time”, so a repair offer is not a refusal. Refurbished kit carries its own terms, set out in our comparison of refurbished phone warranties.

  • Declined by phone: ask for the decision in writing, then request a second look.
  • Retailer-only claim: the card issuer needs its own claim, not the shop's reply.

Check these before you write to the issuer

  • ☐ Your card statement shows a credit card or loan line for this purchase, even a small one.
  • ☐ The card is in your name as the main cardholder, not an add-on card.
  • ☐ You can find the order date, so you know which side of month six you are on.

The decision is whether to claim from your card issuer or stop at the shop's refusal. With one item over £100 and any part on a credit card, claim from the issuer this week and ask for the full cash price, settling for a used-adjusted figure after month six; with debit only or £100 or less, ask for a repair and keep the gadget rather than replace it. This fails if the whole price went on debit, so read the statement line first; the ombudsman guidance frames the claim. Write today: send the issuer your order date and a note of the fault.

How we checked this

We read section 75 of the Consumer Credit Act 1974 (in force to 25 October 2026), the ombudsman myths page (24 October 2024) and Consumer Rights Act 2015 section 19, 22 and 24 (checked 31 October 2026). The worked example assumes £300, £100 on credit, failure at month 14 and a four-year life. No product was tested hands-on for this article. Last verified: 31 October 2026. Edited by G Ragu, reviewed after publication. Spotted something out of date? Tell us and we will correct it.