if consumers return goods after shopping by credit card, the payment can only be directly refunded to the credit card, while most banks take about half a month to get the refund, and some even longer. For example, Bank of China or some local banks need ten working days to return the money to the credit card account; ICBC needs about 15 working days; CCB can generally complete the refund process within 3-15 working days; China Merchants Bank only takes 3 working days.

however, it should be noted that if the refund arrives before the current credit card bill date, the credit card holder does not need to repay the money; If the refund has been recorded in the current bill, then the credit card holder needs to repay according to the amount shown on the bill.