Well all you will need to do is buy a gift card from a store that WILL ACCEPT REFUNDS on gift cards, some stores dont so choose wisely. Use the gift card on Xbox live/Steam credit, etc. and go back to the store saying that you tried to use the card but it didn't work. Most likely they will give you a new one. I did this with a steam card. Be sure to keep a legit receipt of what card u bought from the store. Physical cards are the best.
Post questions below ;*
Post questions below ;*