Credit Card Refund Schemes are schemes related to when customers try to obtain a return on funds after an item purchased with a credit card is returned. The cashier for the transaction may fake a refund on that transaction so as to take out money, or say that a refund was for more than it should be to pocket the extra money. The retailer reimbursing the customer for their refund may also pocket that cash instead, hoping the customer doesn’t notice, as some credit card refunds can take up to 30 days.