This is unreasonable. If you initiate a refund application and the seller refuses the refund on this ground, Taobao Xiaoer will directly judge the seller's refund after intervention. If you insist on not refunding, it is a compulsory refund and a fine.

Yes, credit card payment will deduct points from the seller, but there is no need to care about this. Since this service is provided as a seller, the rules of this service are like this.