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I have zero issues w/ their return policies. First - don't wait more than 90 days. This is their policy. Why? Well as you can imagine, it's pretty hard to move swimsuits when they're returned in November.... Secondly, if you do not have your receipt; and you purchased via JC credit card or your own credit card, ask the associate to do a &quot;charge look up&quot;. They can look up your receipt for you.<br /> <br /> Finally - the refund is issued in the same format for which you paid. So if you used your credit card, it goes back to the same one. Depending on your bank; the refund may take anywhere from 2-5 days to appear. If it goes more than 5 days - contact your BANK FIRST. Usually the hold up is on their end.