19.99% interest rate (Refunds after a month should be with interest?)

Average interest rate is 19.99% for borrowing money from credit cards or 6.99% for investing in savings.

Can I expect some money back for the money Fanatec took from my account 6 weeks before and have not yep delivered my goods I paid for?

If they are holding on peoples money for over a month on average without any guarantee on good to be delivered shoudnt they be penalized with refund money back with interest?

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