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On Hol Hamo'ed, someone purchases chametz on-line using a credit card. The order was processed during Hol Hamo'ed, but will arrive at the person's home after Pesach is over. The credit card payment is not due until after Pesach.

Has this person possessed chametz during Pesach? Is chametz owned only when it is physically present in your premises? Or, even if not, is the fact that you charged it and it is ready to be delivered mean that you own it even if you don't have it? Or do you not own it at all because the bill hasn't yet been paid or doesn't need to be paid until later?

What if prior to it being delivered you cancelled the order?

  • What Kinyan has anyone done? You didn't pick up the object, and you didn't give him any money. – Double AA Mar 26 '15 at 15:43
  • Would it matter if one used a debit card where the amount was paid but not yet delivered? – DanF Mar 26 '15 at 15:45
  • @DoubleAA It's possible that the bill of sale operates as a shtar for the purposes of effectuating a transfer. There would be no distinction between debit and credit in any case, one is just an obligation to a third party loan for the purchase. – Isaac Kotlicky Mar 26 '15 at 16:26
  • @DoubleAA Isn't there a kinyan mid'rabanan of "whatever standard business practice is" (though I forget what it's called)? – msh210 Mar 26 '15 at 17:22
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    I think this can be generalized to "When does someone acquire an online purchase paid for with a credit card?" – Daniel Mar 26 '15 at 17:30

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