_ After the credit card of China Merchants Bank handles the installment payment business, if there is any problem with the quality of the goods, it can be returned. If there is any quality problem with the installment goods, please negotiate with the merchants for a refund in time. If you go through the return formalities with the merchant, China Merchants Bank will refund part of the commodity price and the handling fee of the return money that has been repaid in installments to your credit card account.