Can be withdrawn.

1. Goods or services have quality problems: If the purchased goods or services have quality problems or are not provided as agreed, you can communicate with the merchant and request a refund. If the merchant refuses the refund, you can contact the credit card issuing bank to file a dispute.

2. Unauthorized transactions: If you find that an unauthorized transaction appears on your credit card statement, contact the credit card issuing bank immediately and report the transaction for investigation and dispute resolution.