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Buying from America - Hold off or buy now?

  • 30-06-2016 4:20pm
    #1
    Allyall
    Registered Users, Registered Users 2 Posts: 10,381 ✭✭✭✭


    I have paid for an Item from America in May, the money was deducted from my Number26 account at the time.
    I can now cancel the payment and get a refund, Would I be refunded the amount in US$ or €?

    That aside, I am looking to purchase another item from America, I have until the 17th of July to keep 5% off ($250).
    Am I better off holding on, and waiting, or does it look like the Dollar and Euro are going to be equal soon, or worse.


    So:
    1 - Should I try and get my refund now, or would I be better to wait?
    2 - Should I purchase now, or would I be better to wait?


Comments

  • #2
    nava
    Registered Users, Registered Users 2 Posts: 4,739 ✭✭✭nava


    Allyall wrote: »
    I have paid for an Item from America in May, the money was deducted from my Number26 account at the time.
    I can now cancel the payment and get a refund, Would I be refunded the amount in US$ or €?

    That aside, I am looking to purchase another item from America, I have until the 17th of July to keep 5% off ($250).
    Am I better off holding on, and waiting, or does it look like the Dollar and Euro are going to be equal soon, or worse.


    So:
    1 - Should I try and get my refund now, or would I be better to wait?
    2 - Should I purchase now, or would I be better to wait?


    The way it normally works is that If you cancel the order the store will process the refund on the currency you paid I assume USD, you card company/bank will do the exchange to EUR on the day they get it.


  • #3
    rubadub
    Registered Users, Registered Users 2 Posts: 32,386 ✭✭✭✭rubadub


    nava wrote: »
    The way it normally works is that If you cancel the order the store will process the refund on the currency you paid I assume USD, you card company/bank will do the exchange to EUR on the day they get it.
    Yeah I think thats how it works. I remember losing out on some return, even if currency is the same rate you should lose out due to bank charges and inherent bad rates.

    I think the only way you get the exact money back is if its a chargeback.


  • #4
    VincePP
    Closed Accounts Posts: 982 ✭✭✭VincePP


    rubadub wrote: »
    Yeah I think thats how it works. I remember losing out on some return, even if currency is the same rate you should lose out due to bank charges and inherent bad rates.

    I think the only way you get the exact money back is if its a chargeback.

    Not anymore - depending on the payment processor a seller can choose to refund the amount paid in buyers currency. Realex offer this option.


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