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I paid for my purchase some by a gift card that I had and most by my credit card. I had to return one item from that purchase due to it being the wrong size. I was told that it could not be returned to my credit card (my own money!) but that it had to go back on the gift card due to the receipt listing the gift card first and then my credit card in the method of payment. I have never heard of this policy before from any retail store or any other TJ Maxx store that I have frequented before. You always get your own money (cash, debit, credit card) back first and then the gift card last.