As Sueellen said, I would have thought that this was automatic, when they put in card? If this is not the case then go back to Power City, insist on seeing the Manager and try to get exactly what the story is. If s/he insists they don't need to return anything to the bank, ask for it in writing. Failing that, ring the bank while you're in Power City and let the manager speak to whoever is giving you this information. I'm still inclined to believe Power City (no association with them), as they must deal with this frequently.