When returning a product to a store using a credit card, the retailer processes the transaction through your credit issuer. When you initially made the purchase, the retailer verified that your credit card details were up to date, checked to see if your card was active and then processed the payment from the credit card company. Because of this, if you want to return an item, you will probably need to either accept store credit, or present the original credit card that you used during the initial purchase. Some retailers allow you to request a cash refund if you process a return transaction with a debit card, but you will not be able to do this with a credit card.