When a refund is required for a credit card transaction, both full refund and partial refund will be refunded. Full refund will refund the full handling fee, and partial refund will refund part of the handling fee. Different banks have different refund rules, and the details are subject to the bank:

1. Credit card installment refund rules - Ping An, Industrial Bank, China Merchants

1) Full refund: installments If canceled, the full handling fee will be refunded, and this amount will be added to the user's bill;

2) Partial refund: During the refund, the bank cancels the original installment and re-initiates an installment transaction with the remaining amount, the number of installments No change; recalculate the installment repayment amount: (total installment amount - refund amount - repaid amount)/total number of installments.

Note: Partial refunds from Ping An and China Merchants Bank credit card installments will be returned to the user by transfer (that is, this amount will be added to the bill).

2. Credit card installment refund rules - CITIC, Agricultural Bank of China

1) Full refund: If you cancel in installments, the full handling fee will be refunded, and this amount will be added to the user's bill;

2) Partial refund: The installment will not be canceled and the partial refund will be returned to the user in the form of transfer. The repayment amount and number of installments will remain unchanged.

3. Credit card installment refund rules - Everbright, Guangfa, Minsheng, and Bank of China

1) Full refund: No cancellation of installments, full refund of handling fees, full refund The money will be returned to the user in the form of transfer, and the repayment amount and number of installments will remain unchanged;

2) Partial refund: The installment will not be cancelled, and part of the refunded money will be returned to the user in the form of transfer. , the repayment amount and number of periods remain unchanged.

4. Credit card installment refund rules - Pudong Development

Apply for refund within 3 months (inclusive) of successful installment payment

1) Full refund Payment: If the credit card installment is canceled, the full handling fee will be refunded, and this amount will be added to the user's bill;

2) Partial refund: During the refund, the bank cancels the original installment and re-initiates an installment with the remaining amount. For transactions, the number of installments remains unchanged; recalculate the repayment amount in installments: (total installment amount - refund amount - repaid amount)/total number of installments.

Warm reminder: Please refer to the bank statement for the bank statement after the refund. For related billing issues, please contact the bank for consultation.