Generally speaking, a bank can terminate its installment payment business and send a refund back to the credit card after the consumer submits a return application and provides relevant return receipt vouchers. However, the refund may not be taken out, and some banks stipulate that they must pay by credit card.

It is worth noting that some banks stipulate that if the goods purchased by installment are returned, the installment fee paid cannot be refunded. Therefore, it is recommended that you carefully consider before deciding to buy goods in installments, and try to avoid unsatisfactory returns.