2-3 days. It can take 2-3 days to be credited into the account. The time limit for refunds from China Merchants Bank credit cards depends on the merchant's return operation method. If the merchant uses online returns, it usually takes 2-3 days to be credited. If offline (or manual) returns are used, it may take 2-3 weeks. Please consult the merchant for specific return methods. If the transaction date of the refund is later than the current bill date, the refund will not be regarded as repayment of the current bill, and the refund amount will be included in the next bill. If it is an interest-free installment, after a refund occurs, the merchant needs to further confirm. After confirmation, the money will be returned to the credit card, and the user does not need to pay the installment fee. Rather than interest-free installment, even if the installment amount is returned, the handling fee will not be refunded. After the handling fee is included in the bill, the user still needs to pay the handling fee. Therefore, after an installment refund occurs on the China Merchants Bank credit card, the refund will be directly returned to the credit card. At this time, the user only needs to pay attention to whether to pay the installment fee. Apple usually takes 3-5 working days for refunds to arrive in your account. After Apple's official inspection is correct, the refund process will be initiated. The time until the refund is received will be determined based on the payment method. For local credit card, debit card, Alipay or phone payment, the refund will be sent to the card-issuing bank within 3 to 5 working days after receiving the return. About CMB 24 installments 1. The handling fee for CMB credit card installments in 24 installments is 0.68. The credit card installment payment in 24 installments means repayment in 24 monthly installments. China Merchants Bank's credit card installments have no interest, only installment handling fees. Credit card installment payment for 24 installments means repayment in 24 monthly installments. 2. There is no interest for China Merchants Bank’s credit card installment, only the installment handling fee. The interest of the installment = the number of installments * the rate of the installment * the amount of the installment. Therefore, the specific interest rate of China Merchants Credit Card in 24 installments depends on the installment rate and the installment amount. For example, if Mr. Wang consumes 10,000 yuan and repays it in 24 installments, and the 24-period repayment rate is 0.68, then the total interest generated by 24 installments of 10,000 yuan is 10,000*0.68*24=1,632 yuan. In addition, applicants can also choose from 2, 3, 6, 10, 12, 18, 24 and 36 phases. The corresponding handling fee rates for each phase are 1.0, 0.9 and 0.75 respectively. , 0.7, 0.66, 0.68, 0.68, 0.68.