I returned 2 items yesterday that I had bought online with my dividends. I was told the ONLY option was a store gift card. I want to redeem it for cash as I often do in July when that is possible. Usually, after the 4th, it is Ok to get the remaining dividends in cash. How will I do that with gift cards? I don't know that there are any items I need at REI for this year. Thank you in advance.