If the refund transaction date is after the bill date, the payable amount on the bill in the current period cannot be offset, but the new consumption on the bill can be offset. Because the refund from the merchant and your personal deposit belong to two different types. It takes a long time for general merchants to refund money. Usually, the money will be returned to the credit card after you make the bill, and the transaction or refund after your bill is actually included in your next bill. Therefore, the refund of the merchant does not actually play a role in repaying your current bill, but it can offset the consumption after your current bill.