Credit cards can be used for overdraft consumption. If a refund occurs after using the credit limit of the credit card, the funds will generally be returned to the credit limit of the credit card through the original route. After being returned to the credit card account, you can directly Deducted from the corresponding credit card bill. So what does it mean when a credit card refund is shown in the account? Let’s find out together.

What does it mean when a credit card refund shows that it is in the account?

When a credit card refund shows that it is in the account, it means that the refund from the credit card has not yet arrived and is still in the process of being entered into the account. You need It will take some time for the refund to arrive. The so-called arrival means that the refund amount is returned to the credit limit of the credit card. Generally, before the bill is issued, after the credit card refund occurs, if the credit is successfully credited, the credit limit of the credit card will be restored and the corresponding amount will be directly deducted. amount of credit card spending. If the credit card has already issued a bill, the credit card refund that occurred will be directly used to repay the refunded part of the bill. At that time, the amount that the cardholder needs to repay will be reduced when repaying the loan.

If a refund occurs on a credit card, if the cardholder has already repaid the credit card bill, the refund amount will be stored in the credit card account as an overpayment. The overpayment can be used directly for consumption. When using a credit card, the overpayment amount will be used first for payment. Overpayments can also be used to pay off credit card bills.

In short, no matter what the situation, credit card refunds will be refunded to the credit card account and will not be refunded to the user's debit card account. Generally, credit card refunds can be credited to your account in real time, and will not take more than 24 hours. If it hasn't been credited yet, it's recommended that you contact your bank.