When you use a credit card to pay for a transaction on Taobao, if you choose to pay by credit card, and the merchant you consume has also opened a large credit card payment, then after the refund is successful, the money will be automatically returned to the paid credit card, and will be submitted to the bank within 1~5 working days (6 working days for China Bank, except 7 working days for international cards such as VISA, MasterCard and JCB), and returned to the paid credit card.

If the seller does not open a credit card to make a large payment, the buyer will use the credit card to pay, and the refund will return the balance of the buyer's Alipay account; In addition, if the original credit card fails to be returned, the money will be recharged to Alipay account, and then you can withdraw cash or continue shopping.

It should also be noted that it is precisely because of the delay in online payment of refunds by credit cards that we should pay attention to the time when the refunds arrive. If refunds arrive before the bill date, they can be counted as current repayments, and there is no need to enter a current bill. However, if the bill date is passed, the previous consumption will be recorded on the bill, and the refund cannot be directly counted as repayment. You must repay the loan before the due date.