Some credit cards become the same after receiving the refund, that is to say, there is no transaction on the credit card after the refund; Some of them found that the amount was less than before after the refund. This is because there were other transactions on the credit card before the refund arrived. You can view the transaction details directly, and the refund is recorded.

It should be noted that credit card refund may also require repayment, so it is necessary to know whether the refund is after the account is received or after the bill. Bill refund does not require repayment, but after the bill, and the refund can only deduct the arrears of the next period.

1. When will the credit card refund be credited?

The success of the refund only means that the merchant has operated the refund, but the arrival time depends on the settlement time of the bank, especially the bank where the merchant refunds is different from the credit card issuer, and the arrival time will be longer.

There is also the different return operation methods of merchants, which will also affect the accounting time. For example, online return takes 2~3 days to arrive, and offline return or manual return may take 2~3 weeks. But usually the refund will be notified by SMS, and the cardholder can also call the bank credit card customer service phone to inquire about the refund.

Second, why is there a bill for credit card refund?

We know that after the credit card is refunded, the merchant initiates the refund, but it takes at least 3 to 5 days for the money to be refunded to the credit card account, which is divided into two situations with the billing date as the watershed.

One is that the credit card bill is refunded, and the consumption amount is the same as the refund amount. Although the bill will also be issued on the billing date, the amount to be repaid does not include the consumption amount, and only the arrears of other transactions need to be repaid.

One is the one-day refund of the credit card bill. The amount to be repaid after the bill comes out will include the transaction amount, and the bill will not be issued because of the refund. Even if there is no other transaction arrears in the month, repayment is required.

The credit card refunds and bills mentioned mainly refer to the second case. For example, the bill date is 15, and the credit card will be refunded after spending 5,000 yuan 12, and returned 16. At this time, the bill has been issued, and the amount to be repaid includes this 5000 yuan. Cardholders should pay back at least 5000 yuan this month.

Third, how to cancel the credit card?

Credit card cancellation is simple. You can call the 24-hour customer service phone on the back of the credit card and ask the customer service to cancel the credit card. Customer service will handle it for you after verifying your identity. Or bring your credit card and ID card directly to the bank outlet counter for the bank staff to cancel.

Two things must be done before cancellation. The first is to ensure that credit cards have no arrears and overpayments. If there is any arrears, all the arrears can be returned. If there is overpayment, it can be withdrawn by cash withdrawal or credit card. Secondly, use up the points in the credit card to avoid wasting the accumulated points. You can exchange points for gifts in the credit card mall or give them to others.