1. The credit card arrival time is based on bank processing time. The general refund cycle is within 1 to 15 days. Under normal circumstances, the refund will arrive within 3 to 7 days. The refund path of the credit card is returned according to the original path. If there is a problem with the original path, the credit card will show that the refund was successful, but the money has not arrived.

2. If the credit card has not been credited, you need to check whether it has exceeded the specified time. The credit card payment time may be delayed during holidays. It is best to check the credit card bill. If the user does not receive a refund within 15 working days, they can contact the bank's credit card center to inquire about the specific situation. In most cases, a successful credit card refund will restore the balance in real time. If the user consumes the corresponding amount after the refund, there will be an illusion that the amount has not been credited, and the user needs to log in to online banking to check the specific consumption bill.

3. If the bank card status is abnormal, the refund of the bank card will be unsuccessful and it will be automatically refunded to the Alipay account balance. Therefore, users need to promptly check the entry status of the original fund path. If the user uses a credit card to pay in installments for a refund, the installment amount and handling fee that have been paid will be refunded in full after the user makes the installment payment. The money returned by the credit card can offset the current balance. Generally, the funds will be returned smoothly on the same day, and no later than the next day.

4. There is a reason why refunding the bill later does not count as repayment.