If the refund arrives on or before the bill date, it can be counted as repayment; if the refund arrives after the bill date, it cannot be offset against the current bill, and the refund can be reimbursed. Next bill.
For example, the billing date of a credit card is the 1st of each month, and the repayment date is the 20th of each month. On the "Double Twelve" day, I spent 100 yuan on a product with my credit card. However, after receiving the goods on December 21, I found that I was not satisfied with the goods, so I decided to return them. After the seller agrees, the refund will be processed.
However, it generally takes 3 to 7 working days to arrive after a credit card refund, so the refund may not be refunded to the credit card until around January 2, and at this time, in December The bill has been issued, and the 100 yuan consumption will appear on the issued bill.
Although the amount was refunded on January 2. However, it can no longer be offset against the latest bill or used as repayment for the latest bill. This consumption must be repaid first.
Extended information
Credit card repayment methods
1. In the card issuing bank
This method includes: card issuing bank counter, ATM, online banking , automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
2. Weiyintong POS mobile phone
Weiyintong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. , instant payment.
3. Transfer/remittance repayment
It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
4. Online repayment
The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
5. Convenience store repayment
This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2~ 3 working days, and there is no handling fee for repayment using this method.
6. Over-the-counter repayment
Over-the-counter payment refers to the bank cards issued by various networked financial institutions, which can be paid through the counters of other bank branches registered in the UnionPay Exchange Center host system. Conduct RMB current deposit and withdrawal transactions.
7. Xinpaytong repayment
The "Xinpaytong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and approved by the China UnionPay inter-bank information exchange network Providing innovative electronic products supported by financial services.
8. Repayment Tong
Use "Repayment Tong" to make repayments. The fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
9. Other methods
In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
People's Daily Online - Future refunds on credit card bills are not considered repayments. If you encounter penalty interest, you can apply for exemption
Baidu Encyclopedia - Credit Card