1. If the credit card bill is refunded a few days ago and you haven't returned the credit card yourself, the refund amount will be deducted directly from the credit card debt. If you want to withdraw cash, because it is within the credit card limit, you need to pay a handling fee of 65438+ 0% of the withdrawal amount, and calculate the interest according to the number of days.

2. If the credit card bill is returned to the account in a single day, because the current arrears cannot be deducted, the user has to repay it with his own money, so the returned money is likely to become overpaid. In this way, you can withdraw cash directly, even if there is no interest, but you may have to charge a handling fee, which is not cost-effective according to the bank's overpayment and overpayment.