Credit card refund takes some time. Available credit limit refers to the unused credit limit in your credit card. The calculation method is as follows: credit line-unsettled paid amount-accumulated used unrecorded amount = available amount. When using credit card to return goods, you can contact the merchant to refund with credit card. (Money can be repaid directly to the credit card) The billing time depends on the merchant's return operation mode, and the general time limit is about 2-3 days (the monthly repayment is still subject to the actual account situation). 1. If the transaction date of return and fee reduction is before the bill date: the returned money will be calculated as repayment according to a certain proportion, please refer to the inquired "Repayment Amount in Current Period". 2. If the transaction date of refund and fee reduction is later than the bill date: the refund does not count as repayment to offset the current bill, you still need to repay according to the original bill amount of the current period. (If the refund is transferred to a credit card, the available amount will increase relatively. )