I used Ctrip to book train tickets and then got a refund. The money is returned to the credit card, why do you still have to pay it back?

It should be that your refund did not catch up with the repayment period, so you need to repay it. For example, if you swipe a card in early June, you will need to repay it at the end of June, but the refund will not be returned until mid-July, so you still need to repay the card at the end of June so as not to affect your credit record for the current period. The refunded money will form your own excess deposit, which can be used to offset other subsequent consumption

When will the credit card prepayment be refunded after a Ctrip order is completed?

Credit card prepayment can be canceled at any time. After cancellation Refunds will be credited to credit card prepayments within three to five days, also known as "pre-authorization":

Credit card pre-authorization refers to a transaction in which the card issuer or its agency confirms the permission to freeze the amount before the special merchant deducts the money. ;

Pre-authorization will occupy the credit limit of the card. When the customer settles the pre-authorization, the pre-authorization will be canceled;

Within 30 days after the pre-authorization occurs, if the customer does not If settlement is carried out, the pre-authorization will be cancelled;

In layman's terms, it is a form of prepayment, which can be understood as a "deposit". When a consumer uses a credit card to book a hotel or air ticket, the bank will first freeze part of the funds in the credit card as a "deposit" for the merchant's consumption. After the consumption is completed, the merchant can officially deduct the money after the cardholder signs and confirms the pre-authorization. This part of the funds.

How does it work after using China Merchants Bank and Ctrip Credit Card to refund the device purchased on Apple’s official website in Hong Kong? Directly offset each other?

Hello, the money will be refunded directly to your credit card account. If the refund transaction date is after the bill date, the amount due for the current period cannot be offset, but it can be offset against the new consumption of unissued bills. Because merchant refunds and your personal deposits are two different types. It usually takes a long time for merchants to refund money. Normally, the money will not be refunded to your credit card until you issue a bill. However, transactions or refunds that occur after your bill will actually be included in your next bill. Therefore, The merchant's refund does not actually play a role in repaying your current bill, but it can be used to offset your subsequent consumption in this current bill.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

Ctrip successfully booked a train ticket, how long does it take for the refund to be transferred to the China Merchants Bank credit card?

If it is a China Merchants Bank credit card, when a refund occurs on the credit card consumption, you can contact the merchant to handle the credit card refund (the money can be refunded directly Returned to the credit card), the credit time depends on the processing time of the merchant's acquiring bank. The general time limit is 15 working days (monthly repayment is still based on the actual account situation.

Ctrip has refunded Why do you still need to pay back the credit card?

The bill has already been generated. The refund occurs after the billing date, but the bill has already been generated at this time, so the refund funds cannot be used to offset the consumption limit. The customer must follow the regulations. Repay the payment on time before the repayment date (inclusive), otherwise it will be overdue.

How long does it take for Ctrip hotel bookings to be refunded to the credit card?

If it is a China Merchants Bank credit card, you When using a credit card to refund, you can contact the merchant to handle the credit card refund (the money can be refunded directly to the credit card). The credit time depends on the merchant's refund operation method. The general time limit is about 15 working days (monthly repayments are still based on actual The account status shall prevail).

This is the introduction of Ctrip refund to credit card.