If the cardholder's refund occurs after the current bill date, it should be distinguished according to the actual situation. Cardholders only need to use our mobile banking to check the amount to be repaid in the current bill through the bill details of the credit card.
Time when the credit card received the refund.
Because the return transaction involves merchants, banks and credit card organizations, there are many processing links, and the processing speed of each link will affect the accounting time.
Merchants can transfer the money to the cardholder's credit card account within 1-2 working days after processing. If the cardholder fails to receive it in time, he can first verify whether the refund operation has been made through the merchant. ?
Extended data:
1, credit card repayment grace period
Our bank provides credit card repayment grace period service, that is, the third day after the due repayment date, and no application is required. If you repay within the repayment grace period, we will regard it as timely repayment. The guaranteed repayment amount will be paid before 7:00 am on the third day after the due repayment date, and it will still be regarded as normal repayment.
2. Calculation of interest-free period of credit card
If you use a credit card, you can enjoy interest-free consumption as long as you pay in full according to the bill before the due repayment date, and the interest-free period varies from 17-52 days. Due to the fixed repayment date, it varies slightly from month to month.
The calculation example shows that:
Assuming that Mr. Li's billing date is the 7th of each month, the due repayment date is the 27th of each month.
If Mr. Li spends 1 on April 8, and it is credited on the same day, the due repayment date is May 27, and the interest-free period of this consumption is 50 days (April 8-May 27);
If Mr. Li spent 65,438+0 items in April of 65,438+08 and recorded them in the account on the same day, the repayment date will be May 27th, and the interest-free period of this consumption will be 40 days (4/65,438+08-5/27);
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