as far as I know if nasayup ang cashier og swipe sa card, they can always void the transaction. happened to me when I purchased a watch sa metro ayala. I told the saleslady that I'd like to avail of the installment promo w/c 0% interest for three months pro pag-swipe sa cashier ky na straight purchase niya.. so what she did, she just voided the transaction. Giswipe balik ang card pro gihimo na niyang installment. Floating ang status sa first swipe pro di raka mabill ky givoid man..