@hari
Ok...let's say you paid for this item by MasterCard.
What the question is asking is "do you want this refund credited back to your Mastercard".
If you would prefer, you can check the other option meaning you would like the Q to hold onto this money in your account and then you can apply the amount to a future purchase.
The amount of both methods of credit will be the same.
~Have a Kind Heart, Fierce Mind, Brave Spirit~