Yes, if the transaction date of the refund is later than the current bill date, the refund item will not be regarded as the repayment of the current bill, and the refund amount will be included in the next bill, that is, the unrecovered amount. ?

Refund income

The aging of the account depends on the merchant's return operation mode. If the merchant uses online return, it usually takes 2-3 days to get the account. If offline (or manual) returns are used, it may take 2-3 weeks. Please consult the merchant for the specific return method. ?

The refund details are the amount expressed in negative numbers, and the refund bank does not charge any handling fee.

Extended data:

According to Article 24 of the Credit Card Articles of Association of China Merchants Bank:

If the cardholder repays all the payable funds before the due repayment date (inclusive), the current non-cash transactions on the current bill shall enjoy interest-free treatment from the bank bookkeeping date to the due repayment date. The longest interest-free repayment period is 50 natural days, unless otherwise agreed by the card issuer and the applicant.

Once the cardholder opens the cash advance function of the credit card, he can withdraw cash, transfer money or recharge the payment account opened by himself in non-bank payment institutions, among which online banking, mobile banking and Pad banking are only used by the presiding cardholder. Credit card advance cash transactions do not enjoy interest-free repayment period.

China Merchants Bank-Refund and Pre-authorization Transactions