Refunds received from credit card bills in the future cannot be regarded as current repayment, but can only be recorded in the next bill. This means that even if a refund has been received, the cardholder will only be regarded as repayment if he deposits the corresponding amount of funds into his credit card. If the credit card bill arrives later, the refund can be used to offset the next consumption.

The reason why banks do this is to avoid cashing out. If the cardholder and the merchant know each other, they will brush a fake sum of money and then return it to cover the repayment amount. If the bank allows it, it means that the cardholder will always occupy the money for free.