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Not only will Target not refund your credit card when you happen to use any gift card along with the purchase, they also reduce your return by a portion of the 5% credit card savings that you get when using the credit card. Because of that, they should put the part that they are assuming you used with your credit card BACK ON YOUR CREDIT CARD. Instead, they give you a gift card for the entire amount so you cannot recover the 5% savings that they took away. This is regardless of how much the return was in comparison to your total purchase or how much you paid via credit card or gift card. The consumer loses money in this scenario. It makes no sense to ever combine a gift card and a credit card at Target. I will stay away from Target gift cards from now on!!