If you ask for a refund, they credit your "wallet" on their website instead of refunding the way you paid. That's fine if you want to continue using their services, and use that money for something else on their website. However, be warned that they will tell you that there's nothing they can do if you don't want to use that money for anything else, and you want it refunded another way. They will tell you that once it has been refunded to your "wallet" on their website, there's nothing more they can do! Don't get ripped off!