it depends on whether the refund is before the bill date or after the bill date. If it is before the bill date, it will be deducted from the current bill. After the bill date, it is included in the repayment amount of this period. When repaying, the bill amount minus the refund amount is the amount to be repaid in this period.

Credit cards are issued to cardholders by banks or credit card companies according to users' creditworthiness and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will make repayment on the billing date.