If you need a refund after purchasing goods with a credit card, the refund will be returned to your credit card account. The merchant will submit the refund information to the bank and the bank will return the refund amount to your credit card account.

If you are dissatisfied with the goods purchased from the merchant or have other problems, you can apply for a refund from the merchant. Generally speaking, most banks will refund the refund amount to your credit card account within 3-5 working days.