after applying for refusal of payment, it is difficult to enter the time because each case is handled differently and it takes a long time. However, after applying for refusal to pay, CCB can try to make a suspense account for you first, which is the dispute registration. This means that this questionable transaction is hung outside the ordinary transaction first, and you don't have to pay back the money yet. No matter how long it takes to handle it later, one month or six months, as long as there is no result, there is no need to return it. There are no other expenses. If the refusal is successful, the account will be cleared. If the refusal fails, the dispute will be released and you have to pay it back on next month's bill.