Instruct: Classify the given online banking query into its corresponding intents.
Query: Hello-Can you please help me get a refund from this merchant?  I ordered a product and would like to return it. I have been unsuccessful in getting the merchant to return my request for the past several days.  I understand it can take up to 45 days to process the dispute and issue a refund, however, if this can be expedited faster it would be very helpful to me.
Can you explain your refund policy, please?
Am I allowed to transfer money to a beneficiary?
It won't let me prove my identity.
Will my card work at all merchant locations?
I was just shopping online for some tickets and the payment was declined by you.  Why has this happened?  I am certain I have the right amount of funds in my account.
I was getting cash and the card got stuck inside
Which card would I get, Visa or Mastercard?
I'm trying to activate the auto-top up function. Where is it?
I believe I got a wrong exchange rate when I got cash.
What should I do if I exceed my PIN tries?
How come I got blocked for entering wrong pins?
Help! I've forgot my app passcode!
The app is showing that I received alot more money than I actually received from the ATM. This occurred earlier today.
I wanted to know why i got an additional fee when i use my card.
I recently bought something in foreign currency and I am unsure of the exchange rate. Is this rate applied correctly?
My card payment has failed.
What transfer methods do you accept?
Is it possible for a transaction to be cancelled?
There was a limited amount of money available at the time of my transaction.
What was the cause for my card to be declined?
What is the charge for topping up a card?
What does top-up verification do?
There is a pending payment on my account, what does this mean?
Why am I unable to transfer money when I was able to before?
Can you tell me the status of my new card?