Ok, I just have to ask, why does it matter?
On the off chance that you are returning a laptop (unless that is your plan all along, in which case that is a pretty nepherious plan, and lame) and they send you a refund check you can deposit it into a checking or savings accont at your bank. You don't need at credit card, but everyone should have a checking or savings account. In the case that you're not old enough to get one of these without a parent, I'm thinking why in the world do you have that much cash? :lol:
heh, anyway, the way I see it those cash refund limits make sense, otherwise the store could be going broke everydau refunding items worth thousands of dollars. and why would you want to carry arround thousands of dollars if you don't have to? Just unwise.