This is my personal experience recently. On a typical weekend, I shopped for groceries in a sundry shop nearby my house. Like usual, I handed my credit card to the cashier to pay my bill. The cashier inserted the card into the machine. A few minutes later, she told me that their machine is offline and cannot be used. So, I ended up paying the bill with cash.
A few days later, while I browse through my credit card transaction history, I noticed that they did charge my credit card. I remembered clearly that I DID NOT sign any transaction receipts. Luckily I kept the shop receipt which stated I paid by cash. So, I informed the store manager and the issue resolved pretty quickly.
The store manager told me while this is not common, it does happen occasionally. Therefore, if you face similar situation like me, keep calm and follow the steps below:
1. Evidence
Collect documents such as the transaction receipts and credit card statement. You can print screen the online banking statement.
2. Inform
Visit the store/shop to inform the store manager. The shop will give instruction to the bank to refund your money.
3. Check
Keep an eye whether the refund is made. This might take awhile, depending on how quick the shop inform the bank.
There is no use in calling to the bank or credit card company. You will have to communicate with the transaction counterpart.
[Tip 1] This kind of situation is rather common, therefore, do speak up if they double charge you. The shop know how to handle it.
[Tip 2] Usually, the act is unintentional. Therefore, do speak nicely with the manager about the situation. They are more than happy to help you getting back the money.
[Tip 3] It might be a good practise to keep your receipts for awhile, so that you can have supporting evidence if this were to happen.
No comments:
Post a Comment