It depends on the store. Lowes will usually issue an auto refund to the same card without a swipe. Walmart, Sams, and Costco will have you swipe your card, so the strategy is pay with Visa CC to get points when you buy, then swipe your debit card to get free cash but no negative points when you return items.

TJ Maxx insists you use the same card, but if its a mastercard for example you can swipe another MC and tell them its an AU on the same account. Problem is, most of us don't have MC debit cards,