I did Amazon since you can easily put in the exact amount from the payment. You can do the same for Target. I’ve also used these types of refunds to make a partial payment on some of my utility bills.

I agree with you, it should be regulated. But if you’d clicked through they give you an image of a credit card that doesn’t need the app. I used it to buy a gift card from a store I regularly use that way it doesn’t expire or accumulate BS fees.