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General Forum - Refund to someone else`s Credit Card? - Page 1
Elite
I bought something off the internet on my credit card which needed to be returned. Instead of paying postage we elected to return it to the store and get the refund. My wife said she would take it in on her break since she works a stone's throw from the shop. However, when she went in, armed with my credit card, to get the refund and return the items they have refused to refund the money to the card since it is not her card (its mine).
Now, I know that you can't use other people's cards for purchases (not that they would notice half of the time since the birth of chip and pin) but I thought getting a refund to someone else's card would be fine. For example, I can walk into a bank and pay money INTO someone else's account, I just can't withdraw. What's the difference?
posted by Mark Oates on Wednesday, 30th November 2011, 17:19
Reviewer
But it's not a refund to somebody else's card is it? It's a refund to your card, being wielded by Mrs Bezzawezza who the shop doesn't know from Adam. As the purchaser (with whom the actual contract of supply is made), they can only deal with you, and refund to your card (as it is a credit transaction and needs to be cancelled out rather than funds transferred).
J Mark Oates
--------------------
That's my story and like my underwear I'm sticking to it.
sprockethole.myreviewer.com
posted by Bezzawezza on Wednesday, 30th November 2011, 17:29
Elite
Not strictly true. The order is in my wife's name on my wife's account. Only payment was on my card.
Had she been trying to pay on my card I can understand the problem but surely only the worst fraudster in the world would attempt to return goods to have the money RETURNED to a stolen card! If such people exist where a thief gets money refunded to you instead of stealing it they are welcome to steal my card!
For refunds no such contract exists only for purchases. I purchased something recently on the very same card and had cause to return it. That store asked for no PIN and no signature. Why? Because its not something the banks ask for. It's simply a signature to say " I agree to this money being returned" which can actually be done by the store attendant!
posted by Mark Oates on Wednesday, 30th November 2011, 18:42
Reviewer
Ah, you didn't say any of that in the first place.
J Mark Oates
--------------------
That's my story and like my underwear I'm sticking to it.
sprockethole.myreviewer.com
posted by fluff_n_stuff on Wednesday, 30th November 2011, 21:49
Elite Donator
Its a fairly new thing.
I work for a major supermarktet, and theitem has to be returned by the card holder and the refund verified by signature. Apparently there was a lot of fraud where people would buy things (carers and the like) on someone else's card, then go back in for the refund and have it paid onto a different card (husbands or their own etc) and get the money back even though they never paid it out.
Apparently its on police advise that you only refund to the card originally paid on, with the cardholder present.
posted by Jimbo :oȚ on Wednesday, 30th November 2011, 23:27
Elite Donator
I also believe that the advent of Chip n Pin also means most refunds still require pin number entry, and pretty sure most CC company T&Cs list it's a breach to give anyone else your pin number.
And look at this from the shop's POV, you bought the item and the wife decided you can't have it and subsequently decided to return it for refund. Shop grants the refund (albeit to your card) and you storm into the shop a short time later screaming they shouldn't have refunded as it wasn't her card etc etc.
The real irony about it all is, the next time you see someone using a card to pay in any shop and asked to enter a pin number, watch how many times the assistant then checks the card for the identity... it almost never happens so your wife could 99% of the time go and BUY something on the card and walk out if she did know your pin without even a raised eyebrow.
Jimbo : oȚ
"There's that word again... is there a problem with the Earth's gravitational pull in the future?"
