This depends on whether the refund date is the bill date, and which bank's credit card it is.

For example, Bank of China and China Construction Bank, the refund occurs after the bill date and before the repayment date. Transactions and refunds can be counted as current bill repayments. But please note that the refund must be received before the repayment date.

However, refunds from China Merchants Bank and China CITIC Bank for consumption after the bill date cannot be used to repay the current bill. Only refunds for transactions before the bill date can be included in the current bill repayment.

To give a simple example, suppose the billing date is the 10th, the repayment date is the 30th, a transaction is made on the 20th, and the refund arrives on the 22nd, then the refund cannot be deducted from the 10th. of the bill. If the transaction is made before the 10th, the refund will not be credited until the 10th. Some banks can also treat it as a bill repayment on the 10th.

The regulations of each bank are different. Refunds for consumption after the billing date may not be counted as repayments. Cardholders should not suffer a big loss just to take advantage of this small advantage. Moreover, different refund channels will result in different refund arrival times, and the bank still has the final right to interpret whether it can offset the current month's repayment. In addition, some banks do not provide text message reminders for credit card consumption refunds, and cardholders need to check whether the money has been successfully credited.

In short, if a similar situation occurs, you must call the card issuing bank to confirm whether it is counted as repayment to avoid a bad credit record due to insufficient or overdue repayment.