for credit card refund, the bank card or Alipay will not be returned, and the credit card will be returned by the original route. There is no handling fee and no interest. I will refund you as much as you pay. However, the arrival time of this refund may not be very timely. Maybe you received the refund information after the refund, but in fact, it usually takes about 3 to 5 days for the refund to arrive.

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1. Is there a handling fee for credit card consumption?

According to the regulations on the use of credit cards, whether online or offline, there is a handling fee for credit card consumption, but the handling fee is not necessarily borne by the seller, but it may also be borne by the buyer. If the seller has opened a credit card payment, the seller will pay the handling fee, and if not, the buyer will pay it. If you don't want to pay this 1% handling fee when you use a credit card on Taobao, just change the payment method to a savings card or Alipay balance payment, so you won't be charged a handling fee. If the seller still charges you the handling fee when the credit card payment is opened, please ignore him directly or complain to Taobao customer service.

2. How long does it take for a credit card payment merchant to receive the account?

Generally speaking, it will not exceed 3 days. However, due to the different bank receipt time and POS receipt time, the merchant receipt time is different. Many POS machines have a T+1 mode, which means that the card will be swiped on the same day and will arrive before noon the next day. Of course, individual platforms hope to attract more merchants to handle POS machines, and they will operate according to the mode of real-time arrival and same-day arrival.

3. Is the debit card a credit card or a savings card

Credit cards, debit cards and savings cards are all bank cards, but they are not parallel cards. Bank cards are mainly divided into credit cards and debit cards, and other types of cards are the extension products of these two cards. Debit card refers to a bank card with no overdraft function after deposit (or cash withdrawal), and the savings card itself is a kind of debit card.

4. How to calculate the interest if the credit card is overdue

① If the repayment amount is less than the minimum repayment stipulated by the bank, it will be considered overdue, and the interest will be calculated at .5%, starting from the consumption date, and there will be a late payment fee.

② If the repayment amount is greater than or equal to the minimum repayment, but less than the full repayment, interest shall be paid at .5%, starting from the consumption date.

③ repayment beyond the grace period is deemed overdue: interest is calculated at .5% from the date of consumption, and there is also a late payment fee.

5. How long will a credit card be overdue before it will be prosecuted?

Generally, a credit card overdue for three months will be prosecuted. When the credit card is overdue for one month, the bank will generally urge the debtor to repay in time by SMS or telephone. When the overdue time is more than one month but less than three months, the bank will urge the debtor to repay through internal collection or outsourcing to a third party; When it is overdue for more than three months, the bank will send a lawyer's letter to the debtor. If the debtor still fails to repay the debt, the bank will bring a lawsuit to the court.