What is our recourse if a supplier is issuing credit instead of a refund?

Question Details: We have a vendor or supplier that provide us product that has an item cost and a core cost associated with the item. We have returned the items to receive the core value for credit. We have since stopped purchasing from that vendor. They have issued the credit for the items but will not issue us a refund. They say their policy is to issue credit towards another purchase. We are talking about 20k worth of credits and we have no intention of make more purchases. Is this legal?

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