I debated this same issue. I had sent a bag to Ann’s in September. I was even proactive and asked them to cut the price twice. I decided to just ask for it back and use it. I’m actually excited to get it back so I think I am doing the right thing to keep it. I think it depends if you will actually use it or not. The news is reporting that refunds are lower than average this year and more people are owing money so I’m not sure what to expect about timing. Just to warn you that Ann’s took down my bag but said they only return bags in batches so it will not be sent out to me for another two weeks. Talk about lousy service start to finish. I’m just hoping they send everything back and in it’s original condition. There is one person there who is always nice to deal with. The rest are really surly and not helpful.