Refunding a ticket after purchasing it with a credit card will not have any impact on your credit. This is a normal transaction. Moreover, if you generally apply for a refund after purchasing a ticket through a credit card, the ticket fee will be refunded in the original way, that is, the amount will be returned to the credit card. Except for the handling fee that may be deducted, it will be refunded to the credit card in the original way. , equivalent to repayment.

The situations in which personal credit cards will produce bad records during the use of personal credit cards are probably as follows:

1. Credit cards that are not activated after applying for a credit card may incur annual fees. Failure to use a credit card will result in a bad credit record if the cardholder fails to pay the annual fee, late fees, etc. This kind of credit card that has been applied for but has not been activated is called a "sleeping credit card". If you have bad credit caused by this, you can appeal to the bank according to the instructions when applying for the card. If you clearly know that there will be an annual fee problem but failed to pay the fee, you can pay the fee and apply to eliminate the bad record.

2. In the process of using a credit card, due to overdraft consumption or a certain amount of consumption in advance, the payment was not repaid as scheduled when it was due. The bank notified the repayment and the payment was not made on time. Such behavior can create a bad credit record. To eliminate this kind of bad credit record, you need to pay off debts and handling fees, etc., and it will be automatically eliminated after two years.

3. In the process of using a credit card, if a large amount of payment is made in installments, and the installment payment is not paid on time, a bad credit record will also occur. The situation is the same as the second situation.

4. Malicious use of credit cards or overdrafts will result in bad credit records. The so-called malicious use means not using a credit card for normal transactions, such as withdrawing cash through false transactions, or overcharging the credit card's specified limit and failing to repay on time. The resulting bad credit record will cause the credit card to be frozen, requiring the debt to be returned until the credit card usage period expires, or the cardholder voluntarily cancels the card after paying off the debt. Under normal circumstances, it is recommended to keep it for two years before applying for cancellation, because bad credit card records will be adjusted after two years.

The above are the situations where bad credit records will occur during the use of credit cards. If it is a normal transaction and there is no debt, it will not be recorded in the bad credit record of the credit card. Of course, other circumstances are excluded, such as Credit problems caused by mortgage payment arrears, guaranty by a third party and the failure of the third party to repay the payment on time, and the guarantor's failure to repay, are not bad credit records caused by the use of credit cards. When using a credit card, if you have a bad credit record due to normal use and compliance transactions, you can appeal to the bank and submit relevant supporting materials, such as consumption amount, consumption type, consumption merchant, consumption receipt, etc. After verification, Banks will update bad credit records. The questioner used a credit card to purchase air tickets and then got a refund. This is obviously a normal consumer transaction. There is no need to worry about negative records. If you have this problem, you can call the credit card issuing bank for consultation or complaint.