Took my money, declined my order. How an you take money from someone's account & provide nothing for it. They say they release your money immediately but it an take 3 business days to process and then your bank can take 1-30 days to refund it to your account. They should approve or deny you Flexpay before they take the money from your account. Now my Christmas is ruined because they took the last of our money that was to buy my kids gifts!