1. Credit card interest refund has an impact on credit cards. Applying for interest refund may leave a permanent record in the bank, which is equivalent to entering the grey list of the bank and becoming the key monitoring object of the bank. It will affect the subsequent withdrawal of credit cards and even affect the subsequent handling of credit cards at this bank.

2. During the epidemic, many cardholders' willingness to repay declined, which led to an increase in the overdue rate of credit cards. In order to improve users' willingness to repay, many banks prefer to use interest-free methods to stimulate users to repay, that is to say, as long as the money is repaid, the fees incurred except the principal can be refunded to the cardholders.

3. For example, if the cardholder's credit card is overdue, or the minimum repayment amount generates interest, the installment fee will be charged.

Second, credit card refund related content

1. Credit card interest refund means interest refund. For example, the user's credit card has generated extra interest due to overdue, and the user has already paid off the principal and interest when repaying, but afterwards, the user does not want to repay this interest, or applies to the bank for refund of interest when encountering problems, that is, returns the already repaid interest. On the other hand, during the epidemic, many cardholders' willingness to repay declined, which led to an increase in the overdue rate of credit cards. In order to improve users' willingness to repay, many banks prefer to use interest-free methods to stimulate users to repay, that is to say, as long as the money is repaid, the fees incurred except the principal can be refunded to the cardholders.

2. Credit card interest refund is not clearly marked in the regulations of major banks, which means that the success of this operation depends on the final decision of the bank. Judging from the bank's income from credit cards, it is impossible for cardholders to apply successfully if they do not encounter major economic problems. After reading the above introduction, I believe you have a better understanding of what credit card refund means. If your credit card has overdue interest, or has already paid overdue interest, you can try to apply for a refund from the issuing bank.