How can I get a refund after using a credit card?

If you make a refund after swiping with a credit card, the refunded amount will be returned to the user's credit card. If the refund is received after the bill is received in the future, it will basically not be recognized as repayment in the current period and can only be credited to the next period's bill. In addition, compared with SMS notifications for credit card purchases and repayments, banks will not send text messages to cardholders regarding refunds, and cardholders need to proactively consult the merchant for information.

The merchant refund process is complex

Compared with cardholder repayment, the merchant refund process is more complicated and involves many aspects, which are beyond the control of the card issuer. Therefore, in the system Refunds cannot be directly recognized as repayments in the settings.

A refund must first be requested by the customer, then the merchant initiates the refund, and the acquiring bank handles it after receiving the report. The acquiring bank provides feedback through the card organization and refunds the money to the card issuing bank. The issuing bank only receives the refund. The customer eventually received a refund. Apart from the account entry process, the card issuing bank cannot control other processes. Compared with cardholder repayment, a refund should be regarded as a transaction initiated by the merchant. If the return transaction time and amount submitted by the merchant during the refund operation can be matched one-to-one with the original transaction time and amount, Then when the card issuing bank receives the return transaction information, it will be able to charge the account accurately. However, in many cases, merchants do not operate this way. As long as the cardholder does have a refund transaction, he can apply to the credit card center, and the bank will manually track the refund into his account. If you have already been charged a penalty interest, you can also call the bank to apply for exemption. As long as the situation is true, the bank can basically refund the interest. The payment method using a credit card is basically the same as the payment method using a debit card, with some minor differences. Please follow the following methods when swiping a credit card:

1. When swiping a credit card, please keep the credit card away from the user's sight to avoid misuse or theft of the card.

2. Do not sign blank or incomplete payment forms at will.

3. Before signing, please be sure to confirm whether the transaction amount listed on the transaction form is correct, and pay attention to whether the consumption currency and uppercase and lowercase amounts are correct. 4. When using a credit card, you must sign to confirm the purchase. Generally, there is no need to show your ID card or enter a password. However, please cooperate when the following situations occur.

Due to operating standards, POS machines in some cities still require a password. Users are asked to enter any 6-digit number. When making large purchases or purchasing easily cashable goods, it is recommended that users enter an accurate personal password for the ATM.

5. When the transaction form needs to be rewritten or canceled due to errors, please ask the merchant to tear up all the original invoices and retain the return certificate given by the merchant to avoid future occurrences.

6. After making the payment, please confirm that the credit card returned by the salesperson of the special merchant is indeed the user’s own credit card.

7. After completing the transaction, please keep the root link of the cardholder who signed the bill for verification with the credit card statement sent by the bank.

How to cancel a credit card

You can call the 24-hour customer service number on the back of the credit card and make a request to cancel the credit card. The customer service will verify your identity and handle it for you.

You can also bring your credit card and ID card directly to the bank branch counter and ask bank staff to cancel.

Before canceling, you must first ensure that there are no arrears or overpayments in the credit card. If there is any arrears, pay all the arrears. If there are any overpayments, you can withdraw them by cash withdrawal or swipe the card. Brush off.

Secondly, after you use up the points in your credit card, you can use the points to redeem gifts at the credit card mall, or transfer them to others.

How to refund a credit card

Processing at the branch counter: Cardholders can bring their ID cards and credit cards to the counter of the card-issuing bank branch, explain to the staff that they want to refund the card, and then fill out the refund form. In the card application form, state the specific reasons for card withdrawal. After the staff conducts identity verification, you can cancel the card. Customer service hotline: Cardholders can call the customer service hotline of the credit card center of the card-issuing bank. After being connected, follow the prompts to transfer to manual service, and then explain to the staff how to apply for card withdrawal, provide their relevant information, and wait for the other party to verify the information before refunding. Card.

1. CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

2. The form of a credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. [1] Consumers who hold credit cards can go to the special commercial service department After shopping or consumption, the bank will settle the payment with the merchant and cardholder. Cardholder can overdraft within the prescribed limit.

3. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money over. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

It is said that one day, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring it with him. Pay cash at the hotel. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases. This kind of credit card that does not require bank processing is still a commercial credit card.

4. Credit card Another way of saying this is that a credit card is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

How to refund a credit card from Agricultural Bank of China

There are two ways to cancel the card after activation:

1. Cancel the card via customer service phone: The credit card owner calls the Agricultural Bank of China customer service The service hotline is 800-819-5599. Once connected, you can transfer to manual service to apply for card cancellation. 45 days after submitting the card cancellation application, the credit card has no consumption records, and there are no overpayments or arrears. The bank will immediately suspend the card for the user. , if there are still overpayments and outstanding debts, stop the card after handling the overpayments and debts.

2. Cancel card at bank counter: Credit card users can bring their ID card and credit card to the local Agricultural Bank of China and go through the credit card cancellation procedure at the counter. The bank will cancel the credit card for the user immediately.

How to cancel the credit card if it is not activated:

When the credit card is not activated, it will be automatically canceled if it is not used for two years, so you only need to cancel the credit card if you have not used it for two years. .

Extended information:

Agricultural Bank of China credit card overdraft limit

1. The maximum overdraft limit of the Agricultural Bank of China credit card personal card is RMB 50,000 (including the equivalent in foreign currencies) .

2. The overdraft limit of the Agricultural Bank of China Credit Card Gold Card is RMB 200,000.

3. The minimum overdraft credit limit of the Platinum Card is RMB 100,000, and the maximum overdraft credit limit is RMB 1 million.

4. For commercial cards, the maximum overdraft limit for customers with comprehensive credit is 3% and does not exceed RMB 3 million. If there is no comprehensive credit, the maximum overdraft limit is RMB 1 million.

The high and low overdraft limit of a credit card is also directly related to the relevant material information of the cardholder when applying.

For example, personal income, real estate, vehicles, and personal work nature can be used as supporting materials to apply for a credit card, thereby limiting the upper limit of the credit card.

The overdraft limit of the same credit card will continue to increase as the cardholder uses the credit card, and the overdraft limit will automatically increase within half a year or one year.