People often ask me how to get a refund when a flight goes belly-up. Belly-up covers drama from Sandy or that Nor'easter-when airlines are the ones canceling flights-to you falling ill and scrubbing your own trip.
It may be that the company placed a block â or a hold â on your card for the estimated total of your bill. Merchants use blocks to make sure you have sufficient funds to pay your bill. If youâre near your credit limit or you have a low balance in your bank account when a block is placed, your card could be declined for additional purchases. To avoid surprises at the cash register, ask your card issuer and the merchant if they use blocking.
If you happen to find that you have a frozen bank account, there are a couple of ways to restore your account.Why Is It Frozen?The first thing to do is find out why your bank account is frozen.This is most likely because you have an unpaid debt. The easiest way to unfreeze your account is to pay your debt (a.k.a. âvacate the judgmentâ). 2  If your account was frozen because of a past-due collection, simply pay the debt and take proof of payment to your courthouse or bank.