I recently made a purchase using the “pay in 4” feature and at the time of my order it charged my bank account what would have appeared to be one of the 4 payments. However, the next day it charged me again for another payment of a different value to match what the actual agreement came to. Why did it do this? Is this a fee I am paying using this feature? Or is this just done at the time of sale, until agreement fully made with merchant and I’ll get a refund of the first charge?