If the transaction date of the refund is earlier than the current bill date, the refund will be regarded as a repayment of the current bill; if the refund transaction date is later than the current bill date, the refund will not be regarded as repayment. For repayment of the current bill, the refund amount will be included in the next bill. ?

The time for refunds to be credited depends on the merchant's return operation method. If the merchant uses online returns, it usually takes 2-3 days to be credited. If the merchant uses offline (or manual) returns, it may take 2-3 days. week. Please consult the merchant for specific return methods.

The refund details are the amount expressed as a negative number, and the refund bank does not charge a handling fee.

Pre-authorization transaction

When checking into a hotel or renting a car, the merchant can swipe the card to withhold a certain amount as a deposit, and swipe the card again after the consumption is completed to actually settle the transaction. This type of transaction is generally called Pre-authorized transactions. The pre-authorized deduction amount occupies the credit card's available credit limit. After the pre-authorization is completed, the additional available credit limit can be restored immediately.

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Extended information:

1. Our bank’s ATM/deposits and withdrawals All-in-one repayment

All ATM machines of China Merchants Bank (including all-in-one deposit and withdrawal machines) have a "Credit Card Repayment" section. Even if you don’t have your credit card with you, you can use this method to repay with the card number. (Only RMB repayment is supported).

In addition, the ATM "Credit Card Repayment" section supports repayment using cash or debit card transfer from any bank.

ATMs without cash deposit functions only provide two repayment functions: "one-card repayment" and "other bank card repayment". If you use our bank's debit card (All-in-One Card, Golden Sunflower, etc.) for the first time to transfer funds and make repayments in the "Credit Card Repayment" area, you must have opened the "All-in-One Card Self-Service Transfer Agreement" (which can be opened at our bank's business outlets or online banking professional version). If you use a debit card from another bank, you do not need to activate it in advance.

2. Repayment at bank branches

You can bring your credit card, cash and personal identity document to make cash repayment at any counter of China Merchants Bank branches across the country; if you already have a merchant With the bank's "all-in-one card", you can also repay credit card accounts through transfer at the counter. When handling U.S. dollar account transfer and repayment business through our counter, only U.S. dollar cash account transfers are accepted, and relevant regulations of the State Administration of Foreign Exchange must be complied with.

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