Harry is talented at plumbing but lacks the cash flow management skills required to run a business. he opens his business, harry's plumbing supplies, with the of his nephew john- a business major. smith purchases a faucet from harry using a credit card. he notices a crack in the faucet and returns it to harry. smith contacts the credit card service provider for a refund. the credit card company removes the sale amount from harry's account which is referred to as a(n)