Check out CyberMonday Return Policie

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Online shopping has its perks -- if you click wisely. Photo: Flickr, alles-schlumpf

While some of you are gearing up for Black Friday sales, us lazies have our eye on stealing the Cyber Monday deals. I'd like to think my lack of Black Friday spirit has to do with my aversion to malls, but let's face it -- my bed is really, really warm in the mornings.

Anyway, I'm getting off topic. Cyber Monday is famous for its fantastic discounts, which online shoppers can take advantage of even after the rush of Black Friday has ceased. Yet before clicking, be sure you're aware of the retailer's return policy or you could get stuck (and we're not talking underneath the mistletoe!).

Luckily, the December 2009 issue of ShopSmart set out to find some of the best return policies on the web. Criteria for judging included time limits, restrictions on the types (and sizes!) of products you can return, restocking fees and other catches. Want to hear who beat the pack?

15 Best Return Policies

• Bed Bath & Beyond
• Bloomingdale's
• Costco
• Ikea
• Kmart
• Kohl's
• L.L.Bean
• Lands' End
• Lowe's
• Nike
• Nordstrom
• Piperlime.com
• Sam's club
• Shoebuy.com
• Zappos.com

Of course, every winner needs a healthy runner-up. Those who didn't make the cut, but are still pretty decent are listed below:

• Ace Hardware
• Bath & Body Works
• Famous Footwear
• Neiman Marcus
• OfficeMax
• Staples
• Talbot's
• Target

And then, the total losers:

• Amazon.com has strict limitations on what can be returned (no computers after 30 days, for example) and a 15% restocking fees for computers and fine jewelry.
• Buy.com gives you 30 days from the date your product left the warehouse to ship it back, regardless of when you actually received the item.
• Dillard's requires a receipt or proof-of-purchase label and packaging on returns.
• Finishline does not accept returns after 45 days, even if your shoes have a manufacturer's defect.
• Home Depot does not accept returns on some items and no online items can be returned in-store.
• Macy's has lots of limitations on items from furniture to jewelry. For example, any rings besides women's size 7 and men's size 10.5 are considered custom and no custom sizes may be returned.
• Office Depot gives you only 14 days for electronics and furniture.
• Overstock.com has lots of restrictions. For example, you can't return TVs over a certain size.
• Smartbargains.com is really strict on the condition of the item to be returned. The package must be unmarked and not defaced to qualify for a full refund.

This year, think before you click to avoid last-minute surprises. Other than that, happy shopping in your underwear!