Once we used our TIW card at the end of our meal. Instead of crediting my credit card for the difference, they gave me a gift card with the balance. They did not give me an option of credit back to my card or the gift card as they simply returned with the gift card. I didn't mind since I knew those funds would be used for other purchases/meals during our stay. But if this is a problem for you, please be sure to request a refund to your card when you approach the server.