In the case of China Merchants Bank Credit Card, if the refund transaction date is after the date of the bill issued, the amount due on the bill issued in the current period cannot be offset, but it can be offset against the new consumption of the unissued bill. Because merchant refunds and your personal deposits are two different types. It usually takes a long time for merchants to refund money. Normally, the money will be refunded to your credit card after you issue a bill. However, any transactions or refunds that occur after your bill will be included in your next bill. Therefore, The merchant's refund does not actually play a role in repaying your current bill, but it can offset your consumption after this current bill.