Your Holiday Gifts Still Haven’t Arrived. Now What? | Personal-finance

Retailers big and small may run sales on Super Saturday, the final Saturday before Christmas. Prepare to shop or pick up orders in-store to get discounted gifts in hand by the holidays.

Cancel or return the item

You can usually cancel an order that hasn’t processed or shipped and get a full refund. But even if you miss the cancellation period, you can likely return the item after it arrives.

Many retailers have extended holiday return policies. However, certain items or categories may be excluded. For example, Macy’s has a 90-day return window for most items, but a 14-day window for Apple products and tech accessories.

Check retailers’ websites for policy details. Read the fine print carefully to make sure you understand the conditions and deadlines.

Take a 14-day return policy, for instance. “Does it mean the day that it leaves their warehouse? Is that when the clock on 14 days for returns starts ticking? Is it the day that it leaves there, or is it the day that it shows up at your doorstep?” Thomas says.

You’ll also want to pay close attention to things like whether you can return the item in-store instead of shipping it back, and whether you’ll get refunded in the original form of payment or in-store credit. If something isn’t clear, give the retailer a call or use the online chat function to ask questions, Thomas says.

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