This is why I refuse to use debit cards. Also, the authorization that merchants do to make sure you have the money will tie up that money on your account even

This is why I refuse to use debit cards. Also, the authorization that merchants do to make sure you have the money will tie up that money on your account even if you cancel the purchase before being charged. On a credit card it will tie up the equivalent credit, but at least it is not cash being locked up.