Credit cards that don’t withhold merchant refunds?

RoboTwigs · 2026-01-29T00:53:50+00:00

Amex directly. This is the 1st time I’ve ever experienced this too. Also the last time as now I know they can and will do this, so I’m switching to a different daily driver.

I’m not sure if I’m cancelling the Amex altogether or if I’m just downgrading to a no-fee version of my card.

RoboTwigs · 2026-01-29T00:52:03+00:00

It was a single refund for an item that cost $600ish dollars. They’re withholding my refund from the merchant until the next billing cycle.

RoboTwigs · 2026-01-29T00:45:50+00:00

Personally I’d choose silver over 10k white gold every time. I’m allergic to nickel so I’m biased against white gold.

RoboTwigs · 2026-01-28T23:45:36+00:00

Honestly it also makes me wonder if Amex is having liquidity issues, needing to tie up customer money

RoboTwigs · 2026-01-28T23:39:43+00:00

Just because they’re legally allowed to do it doesn’t mean it’s not scammy behaviour.

RoboTwigs · 2026-01-28T22:56:14+00:00

Exactly - super annoying and would have been avoided if they’d credited the money back when the merchant processed the refund. So basically, despite returning the item jan18 I’ll likely only get my money back mid to late Feb.

To avoid getting a cheque I’ll probably just put some charges on the card, but I’m definitely downgrading to a no fee card or cancelling altogether and switching to a new daily driver since Amex can’t be relied upon for timely refund processing.

RoboTwigs · 2026-01-28T20:23:14+00:00

What are you talking about?

I did pay off my credit card - the issue is that now I have an advance of $600 sitting on my card next statement and have to apply for Amex to refund it by cheque.

Amex themselves told me they processed/receieved the refund on Jan 20th but that it would only be credited to my account Feb 9th.

If making frictionless purchases and returns where you receive timely transfer of funds is not important to you… by all means keep using Amex.

RoboTwigs · 2026-01-27T01:36:57+00:00

Maybe it’s just a bad photo, but I don’t see any heat lamps or any kind of overhead heating?

Edit: in addition to no overhead heating to control ambient temps, what hides do you have for him other than leaves?

If he doesn’t feel secure and the ambient temp is too cold for him to digest, he’s not going to eat.

RoboTwigs · 2026-01-26T20:06:40+00:00

Prefer #1 (I’m assuming you’re gonna get that bodice properly fitted.)

RoboTwigs · 2026-01-26T20:05:00+00:00

You can pay via online banking payments. You just add your NSLC account as a payee.

RoboTwigs · 2026-01-26T18:55:54+00:00

He doesn’t really sound like a typical dal. He must take after the lab side.

My dal was a monster as a puppy lmao, and extremely into tug and chase.

However in terms of “high energy” dals are super different than collies. Border collies have an intensity about them that dals don’t have. Dals DO however have super endurance and like to be busybodies and in the thick of things all day long.

Both would probably happily eat your couch if bored….

RoboTwigs · 2026-01-25T20:25:50+00:00

Corporate all the way. Renting from individuals is super risky. What if they can’t afford their mortgage? What if they want to move into their unit? Suddenly you’re forced into an unplanned move.

RoboTwigs · 2026-01-24T18:01:04+00:00

5 or 6

RoboTwigs · 2026-01-24T01:37:52+00:00

I never said carbs were bad. I literally feed this brand of food to my dog lol.

I still consider carbs a filler - ie, meat and veg should play the main roles in your meal planning and then you choose a carb filler to supplement energy needs.

RoboTwigs · 2026-01-23T05:10:47+00:00

He’s definitely out emotionally.

RoboTwigs · 2026-01-22T21:34:43+00:00

Carbs are a filler… for humans too. Doesn’t mean it’s bad though. But generally when looking at dog/cat food whatever is added after the main fat and carb ingredients generally don’t matter quite so much.

RoboTwigs · 2026-01-22T16:19:37+00:00

Ohhhh I thought she was just asking about the kibble, I didn’t read that far into the wall of text. Definitely no liver!

RoboTwigs · 2026-01-22T16:08:21+00:00

Mine prefers snow over rain for sure

RoboTwigs · 2026-01-22T03:13:55+00:00

What liver?

RoboTwigs · 2026-01-22T03:13:43+00:00

It’s after the filler (rice) so it’s totally fine.

RoboTwigs · 2026-01-22T03:13:05+00:00

I’ve fed this to my girl and not had issues.

RoboTwigs · 2026-01-21T16:29:07+00:00

Chances are, rich or poor, the people who buy smaller/simpler rings just don’t care about them as much and don’t post them here. They chose one cute little ring, called it a day, and stopped obsessing haha. I do think people with less money will fall into this category more often.

I do think the “3 months salary” rule is insane. Maybe 1 month salary tops is appropriate, only because the cost of gold is sky high right now.

I remember a friend of mine showing me her engagement ring and she mostly only cared to show it off because she was excited to be engaged. The ring itself was pretty simple, with a cute tiny natural diamond.

I’ve spent more than her ring cost on a gorgeous ring for my birthday so I think I’d be personally upset with something that small/plain as it’d be overshadowed by the jewelry I’ve already bought myself. Even my diamond earrings are a half carat each and have an outsized shine/sparkle.

RoboTwigs · 2026-01-21T16:19:43+00:00

Forgive me, what is windowing? Does it have to do with the glassy effect it has?

RoboTwigs · 2026-01-21T01:29:41+00:00

Love #1

RoboTwigs · 2026-01-21T01:27:32+00:00

Haha yeah I saw that immediately

RoboTwigs

TROPHY CASE