Susan,
Thank you for looking at this and responding.
I logged in today to use the credit on a purchase, only to find yet, more in "credits". These are returns that should be credited back to the Q card, not applied as "credits", as I did NOT check "refund as merchandise credit".
I used the "credits" on a purchase today, so that is no issue, but in the future, refunds that are checked "refund original method of payment" should be credited back to the account balance, NOT issued as merchandise credit. Customer service also needs to realize that this is NOT a membership credit, these are returns processed improperly.
Thank you again for responding.