Generally speaking, if it is cash consumption, cash will be returned directly, and if it is credit card consumption, in order to prevent criminals from cashing out the credit card, the amount of consumption that has occurred will not be returned to the cardholder in cash, but directly returned to your credit card. However, it should be noted that credit card refunds cannot be received immediately. In many banks, the refund time is about 15 days, but it varies according to different bank regulations. For example, it takes ten working days for China Bank or some local banks to refund money to credit card accounts; ICBC needs about 15 working days; CCB can generally complete the refund process within 3- 15 working days; China Merchants Bank only needs 3 working days. When using Ping An Bank's credit card for consumption or refund, you can go to Ping An Bank's credit card homepage, log in to personal online banking, and click My Bill to check whether there is this refund in the unbilled and billed accounts. However, if the refund arrives before the current billing date, the cardholder does not need to repay; If the refund transaction date is after the invoiced bill, the payable amount of the invoiced bill in the current period cannot be offset, but the new consumption of the unbilled bill can be offset. Because merchants and individuals refund the deposit belong to two different types. Therefore, it takes a long time for merchants to refund money. Usually, the money will be returned to the credit card after you make the bill, and the transaction or refund after your bill is actually included in your next bill. Therefore, the refund of the merchant does not actually play a role in repaying your current bill, but it can offset the consumption after the current bill.