Sent an item back, checked box to return credit to my Visa Card as per the choices given. Your given the choice of return for credit, replace, get a check or refund credit card. They also state that it could take up to three billing cycles for this to happen. So I waited, waited and waited. Finally had just about enough and called them, they stated item was already refunded, and I had to explain to customer service NO, That was the date item was returned. After being placed on hold for about 10 mins, they realized they're mistake and they would go ahead and issue a credit refund back to my visa card. Waited, waited and had to call again, this time they stated credit was issued back to my account. I told them that's strange because I don't have an account with you, i choose to use guest check out when original purchase was made. So finally after 4 months received a check in the mail, even though i originally wanted the visa refund. But at least i got my money back, I guess that is why people are more apt to use Amazon cause they're return refund policy is immediate.