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I went to Best buy and the sales associate sold me a 128gb micro sd memory card for my Samsung phone. I paid with my debit card which is my checking acct. So money is there. I found out the card did not work on my phone because it was the wrong one. He gave me the one for a camera. When I went to get a refund they credited my card and said in 3 days the money would be available. Why 3 days if they got paid as soon as I swiped. They said it was there bank. I will never paid with a card again. Only cash.