The money returned by the paid credit card will be returned to the credit card account balance, and will be returned to the credit card when spending. The refunded money directly returns to the user's credit card balance, which can be used to repay credit card debt or directly withdraw cash.

If the user's credit card bill is still clear, in case of refund, the refunded money will be returned to the bank account bound by the user's credit card and can be directly used for consumption.