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you need to read fine print if a store if a store doesn't accept a return from you within 90 days of purchase they will reimburse you my credit card i have chase sapphire reserve offers you a return guarantee so basically if you want to return it but the store won't let you chase will help cover it there are certain limitations i can only get reimbursed up to $1,000 every year but still such a great nice guarantee especially when those times happen are kicking yourself for buying something or for missing a return window and now your credit card can help