If it is a credit card of China Merchants Bank, the trading day of the refund is before the billing date, which can offset the current bill;

The trading day of the refund is after the bill date, which cannot offset the current bill and can be included in the next bill.

For example:

Your bill date is 10,

If the refund transaction date (as shown in the bill) is 10, the refund can offset the bill amount of the current period; If the date is 1 1, the repayment will be made according to the current bill.