i guess what i'm getting at is let's say i goto bestbuy & buy something. they run my card & the purchase IMMEDIATELY takes the $$$ out of my account.

now let's say i return that item.....they now have possession of the item, so why isn't it possible for my $$$ to be debited back to my account IMMEDIATELY??? i mean come on, it's all just an electronic debit & credit. seems like if they can move the $$$ one way instantly they should be able to move it back the same......