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credit card points from refund
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that transaction probably cost the merchant $0.50 + 3% or close to $5.  they should have refunded your credit card so they could have recouped some of the fees. (i imagine that's why big-box retailers like home depot always prefer to put it back on your card than give you store credit) consider yourself lucky you made out with $0.15 this time.  (had they refunded your card, the 1% of $150 credit would have gone against next month's reward) once upon a time folks were buying money from the us mint by the tens of thousands $ range and receiving credit card rewards, then depositing the money to pay it off.. they figured that out and put a stop to it.
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