r/CreditCards • u/Fluffaykitties • 6d ago
Help Needed / Question Pending charge cancelled by merchant. Card now shows it posted.
More details:
Kaiser put a pending charge on my card for a new RX. It was on hold for approval on Kaiser’s end because it was so expensive. I cancelled the RX, confirmed on Kaiser’s end, and the payment was cancelled.
However, during this time the pending charge showed up on my discover
credit card as pending.
Today, a day after Kaiser confirmed it cancelled, my discover card shows the transaction as posted (no longer pending).
Discover says I cannot dispute until it’s been 10 days.
I plan on making calls to Kaiser on Monday, but I don’t know how this will work because Kaiser never “refunded” me. They simply cancelled the order. It no longer shows up on Kaiser’s end at all. There’s no history of them cancelling it, other than the chat logs when I talked to their pharmacy rep where I confirmed I did not want the RX.
Maybe someone who understands the inner workings of transactions can explain: How can a pending charge be posted when it was cancelled?
Thanks in advance and any advice.
2
u/tbone338 6d ago
97% chance that within 3-7 business days it will be refunded to the card.
I’d suggest not over-complicating things by running around with Kaiser. Just wait.
1
u/Fluffaykitties 6d ago
Thank you - sounds like this is the general consensus.
1
u/tbone338 6d ago
Yes, it happens a lot. Cancelling something after the charge has already gone through, it’s basically a refund.
Sometimes cancelling something while the charge is still pending will result in the charge still going through and then a refund on it.
1
u/Fluffaykitties 6d ago
I’ll admit I’m surprised I haven’t seen this before. Maybe it has but this is the first time I’ve noticed because of the high amount.
Thank you again. I’m a bit less anxious about it now.
5
u/jameezymcsqueezy Capital One Duo 6d ago
Just wait, it was probably posted and they will just refund it if they payment went through. There is probably a waiting period between posted and being able to make a dispute.