Comment by reaperducer

They issued a refund to the card of a few cents, and I had to tell them (within 24hr) how much the refund was for, after which point they'd issue a charge to claw it back.

This was one of the methods that CompuServe used back in the 1980's, though using a checking account.

It's sad that so many aspects of technology have completely failed to improve in half a century.