Rong e loan can be repaid with the loan and repaid in advance. Average capital and matching principal and interest repayment methods are supported, and some users support one-time payment of interest on schedule. The shortest loan period is two months, and the longest is generally two years. Some users can enjoy a longer loan period, and the number of loan periods can be flexibly selected within the longest loan period.
Usually, this kind of problem only happens when you pay for shopping with a credit card and then refund it. Because when consumers return goods after shopping with a credit card, the refund can only be directly returned to their own credit card. At present, there is no uniform time for domestic banks to refund and receive accounts.
For example, China Bank or some local banks need 10 working days to return the money to the credit card account. CCB can generally complete the refund process within 3- 15 working days. Generally speaking, ICBC needs about 15 working days. If it is cross-border consumption, the refund time will be longer.
I it should be noted that:
If the refund arrives before the current billing date, the cardholder does not need to repay; If the refund has been recorded in the current bill, the cardholder shall repay the amount shown on the bill date.
2. It is reported that if consumers use credit cards to buy goods and return them, the payment can only be directly returned to the credit cards, while the refund time of most banks is about half a month, and some even longer. For example, China Bank or some local banks need ten working days to return the money to the credit card account; ICBC needs about 15 working days; CCB can generally complete the refund process within 3- 15 working days; CMB only needs 3 working days.
3. If the refund is received before the current billing date, the cardholder does not need to repay; If the refund has been recorded in the current bill, the cardholder shall repay the amount shown on the bill date. If the refund arrives before the current billing date, the cardholder does not need to repay; If the refund has been recorded in the current bill, the cardholder shall repay the amount shown on the bill date.
4. If the refund is not returned to the credit card on the billing date of the credit card, the refund received after the billing date cannot offset the credit card repayment amount of the current month. If the credit card user fails to pay off all the debts, the bank will impose a full penalty interest on him.