re: Why does it take retailers days to credit you back when you return an item?

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Case in point, go to a resturant, they charge your card $75, you leave a $25 tip. You check your account when you get home, you see the $75 charge, but don't see it show as $100 until your bank posts.

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that's not the case all across the board, probably depends on the business' banking procedures, some are like you describe, others I can go to my account before I leave the business and the account has been debited