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PAY IN 4- AUTHORIZING WITHOUT PLACING AN ORDER- dont do it

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PAY IN 4- AUTHORIZING WITHOUT PLACING AN ORDER- dont do it

PAY IN 4 IS CHARGING BEFORE AN ORDER IS PLACED.  3 times today it has charged me the first installment of 3 separate transactions that were not actually processed. the first an item was not in stock. the other two i modified my shopping cart and had to "re-apply" each time. 3 TOTAL TIMES it has charged me with pending authorizations.  customer service is a joke. the phone number just gives you the same run around that the website does.  its just an audio recording with prompts of the help screen.  i may have to attempt to dispute this with my bank and just cancel my account.  do not modify your cart after you apply and you better hope the item doesnt go out of stock while youre attempting to check out.