Hello, I don't know what your refund means. Let me explain it to you according to my understanding. If you don't want to use the card and are worried about unnecessary or extra expenses, you can directly call 95595 Everbright Customer Service and ask for cancellation. The customer service agent will inform you that an agent will contact you for final confirmation after 4 working days. After cancellation, the card will be invalid and no one can use it, including you. But your personal information will still be kept in the issuing bank, and every bank is the same.