If you want a refund after consumption, it will take some time. Because the refund is initiated by the merchants, they have to contact the bank for processing, so it is unclear how long it will take. I tried it on Taobao several times, but it returned quite quickly, and it arrived in a few days. In the final analysis, the key to the refund depends on the merchant. If your refund has arrived, you can check it through the transaction details. You can log on to the credit card website of CCB, click on "bill integral inquiry" and enter * * and telephone banking password to inquire. Generally, the consumption details on Taobao will show "Alipay". If there is a refund, there will be a date in front of the details, such as "215915 Alipay", which is basically a refund transaction.