When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

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