There are cases where retailers and non-profits especially have done so and found themselves the victims of fraud, having lost thousands of dollars in these transactions. Yes, you most certainly can. We can't issue a refund to a different credit or debit card. Of course, it is more profitable for the card issuer to let you carry a balance – and costlier for you.. If the card has been canceled in favor of a different card from the same issuer -- for example, if you've had to request a different card number because your old one was used fraudulently -- the refund should go through without a hitch. Same thing for credits. If a refund is paid to your credit card, usually that means that the payment was made initially by that credit card, the short answer to your question is no, not without incurring charges. No. How your credit card can save you from faulty goods: What everyone should know about their rights to a Section 75 refund. Online purchases are subject to different return policies including shipping, packaging, and possible re-stocking fees, but don’t expect an online purchase to be refunded in any form other than a credit to your original payment method. Returns may also be refunded with store credit under some circumstances, such as when you return items without a receipt. Some merchants may be willing to offer a gift card, store credit, cash … The two primary factors a retailer considers when refunding an item are: If you’re returning an item without a receipt, most retailers will offer to compensate you with in-store credit or a gift card loaded with the amount of the refund. What it (the computer sees) is conflicting card #'s, therefore it will not issue a refund on anything except for the same card. It’s not possible to send a refund to a different destination (e.g., another card or bank account). When Is It Safe to Throw Away Credit Card Statements? Return payments follow the rules set by stores, credit card companies, and the government. A billing dispute is for when you didn't receive the merchandise you charged to your account or your account was charged for something you didn't purchase. “Stores can offer a Whole Foods Market merchandise return card (a one-time-use gift card) as a store credit, or refund the customer according to payment type by offering to credit the payment card or offer a cash refund. Get the Best Black Friday Deals With These 10 Tips, Depositing a Check? That credit will be applied to any other charges you have made, thereby reducing the amount you will have to pay your creditor on your next bill. I had ordered online but had second thoughts. If you're unhappy with your purchase and can't get a refund, your credit card provider can investigate the issue on your behalf. Can it be refunded to a different card? Merchants must conspicuously post their refund policies. While some independent retailers create their own refund policies, others are regulated and overseen by the Treasury Department and other official agencies. The process depends on how the merchant and your issuer bank deals. At some point, everyone has purchased something they needed to return for a credit card refund: Maybe the sneakers didn't fit or you decided the dress wasn't your sister's style after all. If you were carrying a balance on your credit card before your return, the return will likely appear as a credit on your account, and will reduce your total unpaid balance. The company has also said that it can only refund to the original credit card. If you explain the position you are in with the closed credit card account and have a different card through which they can process the refund you may be able to still receive the refund. If you take the unwanted item back to the store where you bought it, the person who waits on you can swipe your card and begin the process of reversing the charge right away. We can't issue a refund to a different credit or debit card. If I bought a TV at So I contacted my credit card company quoting the Consumer Credit Act and asked for a refund. If you are concerned about the refund going to your canceled card, you can inquire about returning the item without a receipt. Your bank should automatically do an internal transfer from the old card to your new card so that you'll see the refund. Under the Fair Credit Billing Act, you can only be held liable for … If there’s an outstanding balance on the credit card, a refund credited to the account will reduce the existing debt. gwar- There could be a couple of different options for this situation. 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