How long until the credit goes back into my checking acct? I mean, in # of days. I ordered it from Apple and it's currently shipping (in Hong Kong right now), and long story short I didn't know that Apple charges you for the iPad when it ships, I thought when the order cleared after I placed it, it was done and paid for. Needless to say when it shipped I didn't have enough in my acct and now I'm overdrawn. Not blaming Apple, but that's pretty stupid that you aren't charged until it ships, which could be up to 2 weeks after you had the funds ready and it was cleared. When it arrives on my doorstep and I ship it back, how long til I get the credit? FYI I'm in Southern California, and isn't that where it goes back to?