Repair Credit Score

Question: Can returning too many items effect my credit ratings?

I brought a lot of goods (electronics and clothing items) for my family during New Year. Now, my mom doesn't like her USB Flash drive and my Microsoft HD web cam lags. I still have time to return these items to Best Buy and Futurehsop.

*My question is that returning items back to the retailer will affect my credit card negatively?

*Will my Credit Score (Credit ratings) will be effected?

I know, we all do this type of reruns once in a while. But I was wondering,
*if these reruns to the store effect my credit card history? I have a perfect history for three years now.

Oh... I am in Canada and our system is exactly the same as American one.

Thank you.

Answer: Returns *DO NOT* affect your Credit Score in any way.

There are however, a few things some people overlook.

Example: Your balance before making your return was $100 and your return was $110.99. Now you have no balance therefore have to make no payment. WRONG! Returns do not count as payment. You should make your minimum payment and they will refund you later. People who overlook this detail have a "missed" or "late payment" and that WILL affect your Credit Score.

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