Currently, most of the refunds generated when canceling consumption cannot be deducted from the current month's arrears if they occur after the bill date. Although this part of the refund will be returned to the cardholder's credit card account, it will not be included in the current month's bill. There will still be this consumption debt, which must be repaid before the minimum payment date of the next month. In fact, it is a common practice of many banks that refunds after the bill date cannot be counted as current repayments.