Generally speaking, after the user uses the credit card to spend money, the refund generated before the payment of the credit card bill will be directly returned to the user's credit card account to offset the credit card amount previously spent. When the refund funds arrive, the credit limit of the credit card will also be restored.

After credit card repayment, the generated refund will still be returned to the user's credit card account. If there is no debt on the card, the refund will exist in the form of credit card overpayment, which will be used first or repaid directly later.

Nowadays, many people almost choose to apply for a credit card, and they can spend within the credit limit in advance after completing the credit card. As long as you can pay off the credit card debt within the prescribed time limit, you can also enjoy a certain interest-free period.

When using a credit card, please follow the following methods:

1. When swiping the card, please don't put the credit card away from the user's sight to avoid misuse or theft.

2. Don't sign a blank or unfilled bill at will.

3. Before signing, please be sure to confirm whether the card number and amount listed in the bill are correct, and pay attention to whether the consumption currency and amount expressed in words and figures are correct.

When using a credit card, you must sign to confirm the consumption. Generally, you don't need to show your ID card or enter your password. However, please cooperate in the following situations.