1. Pay the full amount directly with a credit card on Taobao. If a return occurs, the 1 handling fee paid by credit card will not be refunded. Credit card payment processing fees are charged by UnionPay and the card issuing bank. If you need a refund, please contact the Taobao seller.

2. If it is a credit card installment purchase fee, the installment fee will be refunded to the credit card according to the refund ratio after the return is successful.

If half of the transaction amount needs to be refunded, half of the installment fee will be refunded.

If it is a full refund, the handling fee and refund amount will be refunded directly to the credit card account by Alipay.