Because some links require manual approval, banks are unwilling to take risks in advance. The reason why WeChat, Alipay or other third-party software arrives instantly is because they advance the money, that is, they take the money from their own hands and give it to the customer first, and then wait for manual approval from the bank before calling Alipay and other software.

1. If you use a China Construction Bank credit card for online shopping and get a refund, it will usually arrive in your account in about 1-2 working days after the merchant agrees to refund. If it is a refund for offline consumption with a China Construction Bank credit card, it may take 15 working days to be returned to the account. In addition, there is no SMS reminder for China Construction Bank refund transactions. To check the refund progress, you need to conduct detailed inquiries through credit card transactions.

2. If you enter the wrong card number when remitting money through online banking or mobile banking, the money will be automatically reversed back to the card, basically within seconds. If you enter the wrong name, the money will not be automatically reversed by the system. There is a post in the background to take care of this. Once this happens, the system will prompt this post and then manually reverse the account.

3. Many positions and processes in the banking industry are not that intelligent. The specific reasons are unknown. Don’t think of banks as being very automated. From the perspective of data flow transactions, it is an instant matter. But payment business, in addition to information processing, also requires the liquidation of funds. When you purchase a ticket, the bank will settle the funds to Tiebo; when you apply for a refund, Tiebo needs to confirm that it has received the money (reconciliation) before refunding you. Of course, there are also many institutions that adopt a lax approach. Personally, I believe that the reason for the slow refund is mainly because Tie Laobo himself controls the time limit for refunds. A manual verification process may have been added, resulting in slow timeliness. If a return occurs when purchasing with a credit card, if the return occurs before the bill repayment date, the refund will be directly refunded to your card on the same day, and you do not have to pay back the money you used the card! If the return occurs after the bill repayment date, the refund will be refunded directly to your card on the same day, but you must pay back the money swiped on the card during the current period, and the refund will be used as an overpayment for the next swipe. Credit card purchases. Currently, tickets purchased using Alipay can be refunded instantly. We will also settle with Tiebo by way of a tie-up