scenario,refund_net_amount,credit_face_value,intended_eligible_item_cost,delivery_cost,credit_can_pay_delivery_yes_no,terms_source_and_date,credit_remaining_balance_rules,stated_use_by_date,unresolved_terms,refund_cash_remainder_or_negative_topup,credit_item_topup,credit_delivery_paid_separately,restricted_credit_remainder,decision_and_reason Fictional example 1; not current retailer terms,80,90,70,6,no,Assumed article example,Assumed no further planned purchase before use-by,Assumed; no universal legal rule,,4,0,6,20,Keep cash and restricted balance separate Fictional example 2; independent planned basket,80,90,100,0,no,Assumed article example,Confirm actual balance rules,,,-20,10,0,0,Under assumptions credit requires $10 less additional cash Your actual written offer,,,,,,,,,,,,,,