Many users have reported that the bank has refunded credit card interest, some are overdue interest, and some are minimum repayment interest. So does credit card refund have an impact on credit cards? Please see the introduction below.

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. After repayment, you can call the bank customer service hotline and apply for a refund from the bank. As for whether it can be refunded, it depends on the bank's regulations.

The above is an introduction about whether the credit card refund will affect the credit card.