others will give you store credit if you beg. check return policies, note time limits. there are probably time limits, and you can check those on line before you go and wait in line at the store. during the holidays some retailers will extend their deadlines, often until a late january. you may have to bring an i.d., too. some chains like victoria's secret, they use this computerized return authorization system to detect fraud and abuse. they look at how many times a consumer has returned items. so you may be asked to show your driver's license or another i.d. when you return in person. >> just give me a gift card. just -- gift card, okay? >> you know, there's a significant percentage of gift cards that are never redeemed. people forget about them. i get worried giving the gift cards. the national retail federation will be mad at me but i don't care. so many people never use them. >> i'll tell you what, i'll use mine. >> give them to you. >> absolutely. we'll be right back. ♪