You're getting mad at the wrong people. Bass Pro is not a credit card company, they just accept them as payment as a convinience to you the customer. When you request a refund they can do there part right away and then it's in the credit card companys hands. Sometimes it takes up to 90 days for you're card company to do this. I used to work for a retailer and had to deal with this several times. Like anything else credit cards have their advantages and disadvantages.