Because life sucks

I imagine because with a credit card everyone has already authorized consent for a purchase transaction. A refund is far more likely to be contested

To teach you a lesson

Half the time I make credit transactions it takes a day or two to show up...

the business doesn't get the money right away either, it goes into their bank to clear 2, 3 or more days later.

Wow what a trip, they’re asking a local radio show that I listen to