[orwin]

You can't get your refund directly on your credit card? It's standard for at least clothes and tools/furniture in my country.

[astrange]

We can, but sometimes you get payments in the mail from businesses you only have an occasional relationship with.

You can pay people instantly by refunding their debit cards - that's how Uber drivers can get paid - but it's not free, which is why most transfers don't go that way.