Generally, it takes 3 days to enter the account after a successful refund, and it may take 2-3 weeks at the longest; The arrival time of the refund is related to the refund method adopted by the merchant, and the merchant needs to be consulted for details; After receiving the refund details, it will be reflected in the bill in a negative form; The bank will generally refund the money to the cardholder's credit card account within 5 working days after the express payment transaction returns the money to our bank by a third party.

1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. Types of credit cards: According to different card issuers, they can be divided into bank cards and non-bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs. Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

3. According to different card issuers, it can be divided into corporate cards and personal cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use. According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

4. Ordinary cards are issued to cardholders with average economic strength, reputation and status, and the requirements are not high. Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher. According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.