Wait a little longer. I often meet customers in the bank asking about this kind of consumer refund. In China, it takes at least half a month to repay the loan, and the longest I have ever seen takes more than 40 days to come back. You will definitely spend more time abroad. When the merchant repays the loan, he will transfer the money back to the UnionPay Center or other card trading centers, return to your credit card bank, and then deposit it into your account. Coupled with transit at home and abroad, there are many intermediate links, and the time required will naturally be longer.