And just go back to an ATM card
I made a purchase online last week Friday, I called MINUTES after to cancel the order
I was STILL charged on Wednesday when it posted to my checking account
I was told a refund was in the works but when I called my bank today they still did not see a pending refund
So I called the company today and they said the refund is in process and can take up to 10 business days
Argh!
DH needs his car fixed tomorrow, I'm estimating $1000 for that, its our 2nd daughter's birthday on Monday, and our 9 month old has pictures tomorrow. Because the charge went through even though I cancelled the order, I now have to dip into our emergency fund to make up the cash flow difference because I don't get paid till Wednesday
I know we'll get the money and I'll put the money back to reimbursing the EF but I hate having to do it in the first place. When I cancel an order, I expect to not have my account charged or at least for a stimultaneous refund be processed.
I miss the days of just using cash. If I was, I wouldn't have made the purchase online and refunds are automatic when using cash. None of this "up to 10 business days" mess and me trying to figure out how to make up the cash flow difference.
Tempted to cut up my debit/credit card
October 17th, 2008 at 02:03 pm
October 17th, 2008 at 02:07 pm 1224252449
I would see your car repair as a qualified EF expense and not worry about it. Pay yourself back when you can and make sure to keep a confirmation number from any calls you make to prove that a refund is indeed in the process. That happened to me and even though I had a transaction number from cancelling some unwanted service program, I had to call back twice.
October 17th, 2008 at 02:08 pm 1224252497
October 17th, 2008 at 04:06 pm 1224259582