Whether the online shopping refund needs to be repaid depends on the situation. After applying for a refund, if the money arrives before the credit card billing date, it can be hedged with the consumption, and this consumption does not need to be returned. For example, on the 8th and 26th, I bought clothes worth 1000 yuan online, and it didn't fit me when I got it, so I applied for a refund. The money arrived on the 5th, and the bill showed that I spent 1000 yuan, and then I rushed back-1000 yuan. After hedging, the bill amount has no influence, so this 1 0,000 yuan does not need to be returned.
However, after applying for a refund, if the payment arrives after the bill date, the consumption will be included in this bill, and the cardholder needs to repay during this period. If the refund in the above example is not returned until after the 8th, then the cardholder must refund the money first. At this point, the returned money is still that money, which is only included in the next bill and can be consumed as the amount of overpayment to offset the next bill. So if it belongs to the second case, remember to pay back the money first, otherwise it will affect personal credit once it is overdue.