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I own a PS4 and my roommate and I both have PSN accounts on it. I also recently got a new credit card. Last night I purchased 3 games and of course my card info wasn't pre-saved, so I entered it thinking it was my account. I downloaded one of them before realizing I was on the wrong account.

I understand that first one is probably a done deal and non-transferable but I didn't even start the downloads for the other two. Is there a way to "return" them so I can just buy them again on my account?

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In general, you should be good with refunding for not-yet-downloaded stuff:

If you started to download or stream the purchased content you are not eligible for a refund unless the content is faulty.

Source, it also advices to contact PlayStation Support to actually get refunds.

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