1. Refunds for repayment of arrears. In other words, the credit card will be refunded after consumption, and the amount of the refund is the same as that of the current bill, and the two cancel each other without repayment. However, the write-off fee varies according to the time when the refund is recorded and the billing date. If it is a refund after the bill date, it can only offset the consumption amount after the next bill date, that is, the next bill arrears. If it is a refund before the billing date, it will offset the consumption amount in the current period.

second, it has been compensated. There are often card friends who can't pay their credit card debts, but don't want to be overdue, so they will find some compensation agencies to borrow money to repay them. For example, if they are hot now, they will directly lend money to the credit card account to repay them after the application is successful, and they will never have to repay them themselves. It is worth noting that compensation is only a debt transfer, from the money owed to the credit card to the money owed to the compensation agency, so it is still necessary to pay it back.

third, automatic repayment. Some credit card friends forgot to set up their own automatic credit card repayment. Although they didn't repay manually, as long as there is enough money in the card one day, the system will automatically deduct money from the associated debit card and return it to the credit card account, and there will also be cases where they have not repaid but have paid off their debts.

CITIC Credit Card was officially issued by CITIC Bank Credit Card Center on December 8, 23. By the end of October, 26, the cumulative number of credit cards issued had reached nearly 2 million, ranking among the top banks in China, among which CITIC Platinum Credit Card ranked first in China, initially establishing its position and brand image in the credit card market in China.