Credit card refunds usually take three working days to arrive, but the arrival time of different banks is different. After applying for a credit card refund, users should pay more attention to the text messages on their mobile phones. If they haven't received the account for a long time, they can also call the customer service staff of the bank to ask, and the arrival time is different for different refund methods. After the credit card is repaid, it is refunded, so the money is returned to the user's credit card in the same way, so whether the user's credit card has been returned to the credit card or not, the money is very safe, and the user can put it in the credit card to repay the debt for next month. Or you have to pay the money first in the process of using a credit card. You can also withdraw the money, which is often called overpayment, and users need to pay related handling fees when withdrawing it.