① If the transaction date of return or fee reduction is before the credit card statement date: your consumption at that time has been included in the bill and needs to be repaid. The return amount will be calculated according to a certain proportion and counted as repayment. ; Please refer to the "repayment amount due for the current period" that you check in your credit card online banking;

② If the transaction date of return or fee reduction is after the credit card bill date: because of your payment The consumption has not been included in the bill and does not need to be repaid immediately, so the returned money will not be counted as repayment to offset the bill. You still need to repay the current bill according to the original amount;

③If No actual return has occurred: Since your money has not been returned, it cannot be confirmed for the time being. Whether the bill can be offset is subject to the actual return of the money. If you need to know more, you can wait until the money is returned before confirming.