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Need to return a gift? Here are holiday policies for some popular stores

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You might suddenly have something you want to return or exchange.

USA Today cites National Retail Federation figures that estimate $630.5 billion in holiday sales this year – and of that, about 15 percent is expected to be returned.

From video games, to clothes, to books – or even unwanted gift cards – here's a look at some of the most popular retailers or online sellers, and their holiday return policies.

Target – [Full return policy]

"Most" items that are still unopened, you've got 90 days to return for an exchange or refund. Some items though have exceptions, so check the receipt or click the full terms above. One holiday rule worth noting: Electronics and entertainment items, you usually only have 30 days for a return or refund – unless they were bought between No. 1 and Dec. 25. If the purchase happened during that time frame, you've got until Jan. 25.

Best Buy – [Full return policy]

The Richfield-based electronics giant has an "extended" return policy for the holidays. Anything bought between Nov. 1 and Dec. 31 this year can be returned through Jan. 15, 2016. Some stipulations – cellphones and other devices that include a carrier contract are excluded; opened video games, music, movies or software can only be exchanged for an identical item; and more.

Amazon – [Full return policy]

You've got about a month from now for gifts you got through Amazon. The marketplace says any items shipped from Nov. 1 through Dec. 31, 2015 can be returned for a full refund until Jan. 31, 2016. There are some stipulations though, so check the full return policy linked above (for example, software downloads aren't returnable, while live plants and insects can't be returned, but might be eligible for a refund).

You should start by going through the online returns center.

Gift cards

This one is a little funky – but if you got a gift card you're never going to use, there are some places to swap it for cash (though not equal value)., Raise, and Card Cash are among the online options, and has a small write-up explaining what they offer.

As for actual in-store options, you're limited. Target though is among those offering a swap program, the Star Tribune reports – it was "quietly" debuted in stores last month. You go in, present the card to an electronics employee, and get an offer. If you like the deal, the Star Tribune says, you'll get a Target gift card in the amount offered (so expect it to be less than the actual gift card's worth, naturally). Gamestop has a similar program, but you do it online – click here to go to the site.

Half Price Books – [Full return policy]

Refunds on items are available up to seven days from the date of purchase, with a receipt. But you can get an exchange or store credit for an item up to 30 days from when it was bought, though you need a receipt for that too.

Gap, Old Navy – [Full return policy]

Get some not-quite-right fitting clothes from Gap, Old Navy, or Banana Republic? You've got 45 days for unwashed, unworn items – there are some special cases for swimwear and sunglssses as well.

Wal-Mart – [Full return policy]

Wal-Mart tweaks its return policy for the holiday season. Generally most times you have 90 days from the date of purchase, and for those items, the rules are the same. But for products that normally have a limited return window (for example, digital cameras which have a 15-day limit, or yard work equipment that has a 30-day policy) the timer starts Dec. 26 – if it was purchased between Nov. 1 and Dec. 25, 2015.

Toys R Us – [Full return policy]

It's the same as always here – 90 days from the day of purchase for most items, though it can shrink to 30 or 15 days for electronics and some other types of products.

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