Even if you spend on 1 1 tonight, you must cancel it before 12.

If this day passes, the money will be transferred to the merchant's account.

If you want a refund at this time, you must ask the merchant. They will verify the situation, submit a refund application to the acquiring institution, and communicate with the customer's issuing bank through it. Generally, the refund time is about half a month.

Extended data:

Consequences of overdue credit card:

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Baidu encyclopedia-credit card

China Banking Regulatory Commission-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks