FREE: Beads and Letters

I don't mean to be rude, just wondering if you could explain something to me. I've seen others put similar comments on their auctions about not refunding credits because "it costs too much"...and I don't understand why people would say that. Can you please explain it to me? You can inbox me if you'd like. I just don't understand why people put that. If I list something and there is a legitimate reason for someone to request a refund prior to me mailing it, I have no issue refunding their credits. I make sure I don't spend any credits earned until the transaction as been cleared in all aspects. So there is no "cost" to me other than taking the time to list it again and wait for a new winner. Like I said, not trying to be rude...just wondering if there is something I'm not taking into consideration. Thank you in advance for your response. : )