This situation is handled as follows:

1. First, you need to confirm whether the refund amount has been received. You can call the bank's customer service hotline to check the refund status and amount.

2. If it is confirmed that the refund amount has been received, you need to bring the original ID card and the canceled credit card to the bank counter for processing.

3. After providing relevant documents at the bank counter, inform the bank staff that you need to withdraw the refund amount. The bank will transfer the refund amount to the personal bank account manually.