What staging have you done for CCB? If the staging is done directly with the merchant's POS machine, if the goods are returned, the staging will be automatically terminated after the merchant refunds, and no handling fee will be charged.

If it is consumption by stages and bills by stages, after consumption, the stages will be completed through the bank. If there is a return, the installment will not terminate by itself. You have to call the bank to terminate. However, at the time of handling, the bank clause stipulates that the installment shall be terminated in advance and the handling fee shall be charged in full. So to sum up, there is no fee reduction for this installment, whether you terminate it early or not.