If there is a credit card refund, there is no need to process it. Refunds will automatically be offset against credit card bills. For example, if your bill amount is 100 yuan, then the refund amount will be 50 yuan. After the refund is credited, you only need to repay 50 yuan.

It is normal to receive a refund after a credit card purchase. It’s normal to be dissatisfied with returns from online purchases. However, all refunds have one principle: return to the original route. For example, if you use a credit card to make a purchase, after you successfully apply for a refund, the money will be returned to the credit card. No, after you request a credit card refund, the money will be returned to your savings card. In fact, it is relatively simple to return money to a savings card. Just pay attention to whether the money has arrived or not. But you need to pay attention to the refund to the credit card.

If you apply for a refund before the billing date, that is, there is no bill on the credit card, then the money will be automatically refunded to the available limit of your credit card after the refund is successful. For example, your credit card can be used for 100 yuan, and the refund amount is 50 yuan. After the refund is successful, your credit card can be used within 150 yuan. Then the credit card consumption will be cancelled. However, if the refund occurs after the billing date and the bill has already been issued due to credit card consumption, the refund will be offset against the consumption of this amount on the credit card statement. In other words, there is no need to pay back the bill consumed by this credit card, and the refund amount will be paid automatically. Therefore, refunds after credit card consumption, whether before or after the billing date, do not require my own operation, and the platform will automatically settle the payment. You just need to know how the process works.

Finally, if the credit card keeps refunding, it will cause risk control by the bank.

Finally, to summarize: there is a refund after the credit card statement, so I don’t need to do it myself. Because refunds for credit card purchases will be automatically returned to the credit card. If the refund occurs before the credit card statement date, the refund will be to the available credit card amount. Refunds will automatically be offset against the credit card bill if they occur after the billing date. Related Q&A: Credit card refunds are not recorded in the account. Credit card refunds are not recorded in the account. This means that after the credit card bill is generated, the consumption in the bill is refunded. The current refund does not deduct part of the bill amount, that is, the refund amount is not credited. Enter the account. This situation occurs mainly because some banks have regulations that refunds that occur after the bill cannot be used to offset the current repayment amount. For example, the billing date of a certain credit card is the 5th, and the repayment date is the 28th. The bill amount generated on the billing date is 1,000 yuan. On the 7th, due to dissatisfaction with a certain consumption, the merchant negotiated with the merchant, resulting in a bill of 100 yuan. Yuan refund. Although 100 is indeed returned to the credit card, the repayment amount for the period is still 1,000 yuan. If the payment is not made in full, it will be regarded as overdue repayment. : Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. 0.7 times). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes". Credit card is a method of payment for non-cash transactions and is a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. A credit card is a special carrier card issued by commercial banks to individuals and organizations, which allows them to shop and consume with special entities and deposit and withdraw cash from banks. It is a special carrier card with consumer credit. It is in the form of a card with the name, validity period, number, and number of the issuing bank printed on the front. Cards containing the cardholder's name, etc., and a magnetic stripe and signature strip on the back. A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), and joins VISA, MASTER and other international credit card organizations so that it can be used globally. .