So, backstory .... Purchased an Air from my local Apple Store on launch day (1st Nov) using my bank card. Various issues so got it swapped out several times. Latest Air had a return date of 8th Dec. Got fed up with yellow tint so ordered a replacement from John Lewis. It arrived and is perfect, so time to return the Air to Apple Go into Apple Store, and they are happy to issue a refund. Can't refund on to my card as the exchanges have been done via iTunes Gift Cards. I don't want a £740 gift card and not my problem how they do the exchanges, I want it returned to my card. They say they can't and will refund as cash. I unhappily accept, but then get told limit is £500 so they can't do that. Next option, bank transfer... I go through the process with the assistant, and then require a SWIFT code before the transfer is accepted. A WTF code??? So ring my bank and jump through hoops with them to get this SWIFT code (required for international bank transfers apparently). So now I'll get my refund via bank transfer in 5-10 business days. Jesus Christ! Moral of the story, don't ever ever let Apple use a gift card for an exchange.