Except for the three major banks that do not refund, other banks’ credit card interest refunds are calculated.

1. The conditions for the amount of refund that China Everbright Bank can apply for are: the installment handling fee for electronic sales and the annual fee (the installment handling fee for electronic sales from the time the card was opened to the present).

2. The refundable amount from Shanghai Pudong Development Bank: the minimum repayment interest in the past six months + liquidated damages + the rights and fees from card opening to the present (rights include no repayment, no fraudulent use, and doubling of Alipay points) , Koura Wuyou, Play Around the World, etc.).

3. The refundable amount of Guangfa Bank: minimum repayment interest and liquidated damages.