If it does not occur within a billing cycle and the refund time exceeds the billing date, then the refund is not repayment, but deducted from the transaction without the bill, and the settled bill is still paid according to the amount.
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After the credit card refund is successful, the money will be returned to the credit card account used for payment. As for how long it will take, it depends on the processing speed of the bank. Different banks have different hours. However, the general credit card refund cycle is within 1~ 15 days, and the refund will usually arrive in 3~7 days.
If the credit card has SMS service to remind the balance change, the bank will send SMS notice after the refund arrives; In addition, if you pay attention to the official account of bank credit card WeChat and bind the credit card, then the official account of WeChat will also remind you to collect money in real time.
If you find that the credit card refund is successful, but it hasn't arrived yet, don't panic. You can do it in these ways:
1, depending on whether the specified arrival time is exceeded, the holiday arrival time may be postponed. It is best to check the credit card bill;
2. If you don't receive the account within the specified time and can't find the account on the credit card bill, you can call the credit card customer service for help.
Judging malicious overdraft should pay attention to the following points:
1. The cardholder is a legal cardholder. If someone steals or fraudulently uses another person's credit card, it constitutes the act of stealing or fraudulently using another person's credit card, but it does not constitute malicious overdraft.
2. The cardholder intentionally refuses to repay. For the purpose of illegal possession, that is, the overdraft clearly knows that he is unable to return it before overdraft, but still uses the card to consume or withdraw cash. Or have the ability to repay, but don't want to pay back after spending or withdrawing money. It is a subjective unwilling behavior. In the process of judging whether the actor's purpose is illegal possession, we must distinguish whether this kind of behavior is subjectively malicious and does not return, or whether the actor can't return because of reasonable objective factors. This is the key to distinguish malicious overdraft from goodwill overdraft.
3. Malicious overdraft includes overdraft exceeding the prescribed overdraft limit, overdraft exceeding the prescribed time limit and non-repayment after collection. Overdraft limit refers to the short-term loan limit of personal credit guarantee that the cardholder can use as stipulated by the issuing bank. For overdrawn cardholders, the issuing bank can make a collection according to the repayment period. If the cardholder returns it automatically without bank collection or after collection, it will not be treated as a crime.
Finally, remind credit card holders to repay in time after overdraft consumption. Once a credit card user fails to repay many times, not only will the bank charge higher interest and late fees, but the cardholder's own credit will also be reduced, which will be affected when handling car loans and mortgages in the future.