No, it's next month, and the amount owed next month will be deducted from the returned money.

For example, a consumer's credit card billing date is the 1st of each month, and the repayment date is the 2th of each month. On the "Double Eleven" day, he used his credit card to spend 2 yuan to buy a product. However, after receiving the goods on November 21, I found that I was not satisfied with the goods I bought and decided to return them. After the seller agrees, it will be refunded.

However, it usually takes 3 to 7 working days to receive the credit card refund. In this case, the refund will not reach the consumer's credit card until December 2. But at this time, the bill for November has been issued, and the consumption of 2 yuan will also be on the bill. Although the consumer's refund has been returned to the credit card on December 2, it can't offset the latest bill, so we can only pay back the consumption first.

Extended information

According to the regulations of China Everbright Bank, if the cardholder generates new consumption after the bill date, the balance in the card will be used to offset the consumption or as repayment for the next month. The CCB Credit Card Center said that if the refund from the merchant arrives before the bill deadline of this month, it will offset the bill amount of this month; If the refund arrives after the bill deadline of this month, it will offset the consumption amount and bill amount of the next month. The refund itself cannot be regarded as the repayment of the current bill.

According to industry insiders, banks do treat "refunds" in credit cards differently from cash repayments. Most banks do not include refunds in current repayments for airline tickets, Alipay accounts or other businesses' consumption cancellation. Only when the user deposits cash himself can it be considered as repayment.

however, there are exceptions. The customer service staff of ICBC told the reporter that if the merchant's refund enters the credit card account of the credit card user before the repayment date, it can be counted as the current repayment amount.

People's Daily Online-Credit Card Trap: Refunds from merchants are not counted as current repayments

People's Daily Online-"Double Eleven" should pay attention to whether the refunds generated by online shopping with credit cards can offset the repayments.