Strictly speaking, since the refund is a transaction failure, it is not a consumption. The cardholder may worry about whether the bank suspects that he paid the money on purpose. Actually, there is no need to worry. After the refund application is accepted, the money will be returned to the user's credit card.
If the refund is made before the billing date, the consumption bill will be updated directly. If the refund arrives after the account date, it can only be recorded in the next bill.
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