Well i don't know and I'm not sure it matters, since behind both of those things is fear. And fear of the unknown is understandable, but we can't make the unknown ... known... until we push past that fear. For you, making the feared unknown.. the known.. would be to make the phone call, with a curiostiy to see how it turns out.. like wondering about the end of a really good book. And here you know some of the ending.. you get money back--yay!

Remember we can be afraid and still do what makes us afraid at times like this.

Maybe thinking of how proud you will be to tell your dad you have done it could help you to do it.