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— I gather "card" means credit/debit card. What happens when you try to request a refund to the card? —
The only issue is that when i went to refund the gift, it didn't offer to refund to my visa, even though i payed through my visa
That sounds like you added $20 by the Steam Wallet in order to buy the game, instead of directly purchasing the game.
It should state the payment used in your account history on Steam.
https://store.steampowered.com/account/history/
The way you are wording thing, even in the OP (Origina Post) is quite confusing. You first talk about your friend's computer and refunding a game there, then carry over to you not being able to run a game. All in the same post and paragraph. Is it one issue or two?