I purchased 5 items with a JCPenney Gift card and the balance on a Visa gift card. Most of it was on the JCPenney card. I returned 2 of the items. I did not see a credit so I called Customer Care and was told the credit was put on the Visa card. I explained that I no longer have that card. I was told to call the bank. It was gift card that I no longer have so I do not know the bank. I feel that they just made money off of me.