A couple of days back I was out shopping and at one of the shops in the mall I made some purchases for which I paid through my credit card. Sometimes I am careless in checking the amount entered and I only realized it this time when an incident happened. I had made a purchase of 900 Rupees and when I gave my card for the payment, they charged me 1900 rupees. I did not even realize that and I entered my pin and passed the payment. Before leaving the shop I happened to check the payment message that I received on my phone and I realized that it was a wrong charge.
They had charged me 1000 Rupees more, which was double the amount of purchase made. I immediately highlighted to them and they said it was an error from their side which did not strike them. Now I am not sure if it was error or not.
First they told me that if I would want to buy something more from the shop they will adjust, which I refused, because I did not want to buy just for the sake of buying and the other thing was I did not like that attitude. Later they told me they will work with the bank and get me the refund and then I can come and collect it from the shop. To which I flatly refused and I told them that they should refund me the amount right away and then they can keep dealing with the bank.
To which first they were hesitant but I did not move from there and insisted they refund me, to which they said ok, they will work out but I would need to wait. I told them I would wait. After a wait of half an hour finally they refunded me the additional 1000 rupees back which was wrongly charged on my card.
It can be a human error or not, but one thing is for sure that before approving the payment the amount should be checked and only then approved. I was careless and it landed me in to trouble. Thankfully the amount was not very big but still it's the question of attitude and behavior which many of us get careless about. Here it was completely my mistake as a end user of the card to not check on the amount before entering the pin.
Always be careful with your financial transaction, be it big or small.
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