re: Why does it take retailers days to credit you back when you return an item?

Even when using your debit card the money isn't technically gone that second. If you log into your bank account the money is showed as debit pending, or some variance. It doesn't post to your account until the bank rolls its day, for Chase 3am CST M-F. This is how irresponsible people get suckered into overdrafting their account.

Case in point, go to a resturant, they charge your card $75, you leave a $25 tip. You check your account when you get home, you see the $75 charge, but don't see it show as $100 until your bank posts.

As already state refunds are help up by the bank, not the store refunding the money.