The timeliness of the return money being credited mainly depends on the merchant's return operation method. If the return is made online, it usually takes 3-5 working days to be credited. If the return is made manually, it will take about 15 working days. time, it is recommended that you contact the merchant to confirm the specific time limit; our bank will usually send you a text message to notify you of the return payment, please pay attention to check it; you can also log in to the Ping An Pocket Bank APP-Credit Card-My Bill to check the details. Response time: 2020-06-17. For the latest business changes, please refer to the official website of Ping An Bank.