When it's hot like it is now, or when it's time to do all your holiday shopping, online is the way to go. Honestly, I don't buy as much online as I used to therefore, I rarely, well never have made any returns. Amazon has a policy in place you may never have heard for return-happy customers.

Normally, the massive online retailer has a 30-day return policy on most items. And you can now buy everything on Amazon from clothes to food.

The retailer can ban customers who return too many items. It's a buyer's remorse nightmare. That's why I never buy clothes online, well, things that may not fit as I might be promised.

But here's where things get tricky. Even if you return say, five items over a two-year period, which sounds reasonable, you could still be banned. The company says return-happy customers seek refunds more than redemption for an ill-fitting garment or a sauce pan that's the wrong size.

Another way you can get the chop? By violating the terms of use by writing paid product reviews on Amazon's site.