The refusal period of credit cards is 180 days, and some merchants will complain or refuse to pay because of some negligence, such as forgetting to deliver goods or sending the wrong goods; If there are many complaints, it will have an impact on the reputation of our entire platform. The bank will charge a certain margin and return it to the merchant after half a year. First of all, it will guarantee the security of the whole transaction. Second, it will guarantee the normal use of this channel. In addition, it will also urge merchants to process orders in time to avoid refusal to pay.