a NM that does NOT accept Visa? What if you don't want to return the Chanel bag but exchange it? Can the return amount go to your NM charge instead? Believe it or not, I am on day 10 of trying to find out. Not, CS, not the dept. manager of designer bags, not Credit Services, not even the freaking STORE manager knows what to do. And, if it is sent back to Las Vegas, then we have to pay for the shipping and insure for the full amount. But it's YOUR merchandise, NM. I am here are YOUR STORE with the RECEIPT and never ever used bag. HELLO!!!!! Ok, I'm done. It just makes me wonder about those unable to "think outside the box". Am I the only one who thinks this should NOT be such a difficult issue? Bleh.