All prices listed on the website are in US (USD) dollars.

For international orders, the bank that has issued your credit/debit card determines the exact exchange rate that you will be chanrged.

The amount charged from the original tobrbeco.com invoice purchased is returned when refunded by the seller.

Please note we cannot be held responsible for any discrepancies caused by exchange rate fluctuations. Payment Safety No card information is ever saved at tobrbeco.com and it remains the private property of the card holder at all times before, during, and after the product purchase.

All transactions are processed through PayPal, which is a secure form of payment.

You can also use the fast way to pay the order. You do not need a PayPal account to use their payment service.

We at tobrbeco.com take many active steps to ensure the absolute safety of your credit card and personal information.

In addition to processing all credit card sales via a fully secured and reputable third party payment processor, your checkout experience is to protect your private data.

Tobrbeco.com does NOT keep credit card information on record.

Frequently asked questions

Do credit card refunds affect your credit?

A credit card refund doesn’t directly impact your credit score, but it may give you a boost if it reduces your account’s credit utilization ratio. Using 30 percent or less of your card’s total credit limit will help avoid any negative impact on your credit score. The purchase amount of a returned item that hasn’t yet been processed and pushes your credit utilization above 30 percent may harm your score until the refund is complete.

What happens to rewards earned from the refunded purchase?
Unfortunately, any credit card rewards you earned on a purchase that was returned will disappear after the refund is processed (this applies to cash back credits, sign-up bonuses or any other incentives that are granted by spending). Understandably, this policy was put in place to prevent people from taking advantage of the system.

If you would like to keep the rewards you earned from an item you’d like to return, you can ask the merchant to refund you in the form of store credit. Receiving store credit, however, does mean that you would still be responsible for paying the balance on your credit card account.

Does a credit card refund go toward your required payment?

Money refunded to your account is not considered a payment or a partial payment toward your monthly required minimum. Additionally, if you incurred any interest from the purchase but don’t receive your refund within the statement period, it is unlikely to be refunded. Don’t forget to pay at least any minimum required payment in full regardless of any refunds.

What happens if my account has a zero balance after a credit card refund?

If the purchase amount of the item you are returning is the only balance on your account, then your balance will return to zero after the refund is processed. If you have paid your card down to a zero balance and then receive your refund, you will have a negative balance on your credit account. Any future purchases will be applied to the negative balance first. If it’s a card that you don’t use often or if the negative balance is quite large, you may want to request the amount in the form of a check, should your card issuer not automatically send one.