Hello, it is not recommended to withdraw cash, but to raise the existing handling fee. 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.

(China Merchants Bank) When there is an overpayment in your credit card account (the amount remaining after all debts in the credit card account have been paid off), if you want to get back the overpayment, you can call the credit card customer service hotline and apply to remit the overpayment to your own bank account (US dollars can only be taken back to our one-card account). To get back the overpaid money, you need to pay a certain handling fee, which is 0.5% of the remittance amount, and the minimum is 5 yuan RMB or US$ 65,438 +0 yuan RMB. At present, our bank offers preferential treatment, and the maximum charge is 50 yuan RMB per transaction or 10 USD per transaction. You don't have to get back the overpaid money, which will be used to deduct your future credit card spending. We won't pay deposit interest for the overpaid amount in your credit card account.