mom on the phone with bank:

"it's a return not a purchase, you know that right

...

you know when you go to the store, and you return something and they give your money back

...

i should be getting a credit"

fucking bankers

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Did she check her receipt from the store? Checker might have messed it up

Mom should be using a credit card for basic expenses. Chargebacks alone are worth it. Let the creditors dispute for you instead of haggling with banks.

Plus passive 1% or whatever.

Word lol