Refund after swiping a credit card, and the refund amount will be returned to the user's credit card. If it is a refund that arrives after the bill, it cannot be regarded as the current repayment, but can only be recorded in the next bill. In addition, compared with credit card consumption and short message notification for repayment, banks will not send short messages to cardholders for refund, and cardholders need to actively consult merchants.

Extended data:

Business refund process is complicated.

Compared with the cardholder's repayment, the merchant's refund process is more complicated and involves many aspects, which is beyond the control of the issuing bank, so it is impossible to directly identify the refund as repayment in the system settings.

Refund must be made by the customer first, then the merchant initiates the refund, and the acquiring institution will handle it after receiving the report. The acquiring institution gives feedback through the card organization and gives a refund to the issuing bank, and the issuing bank will not receive a refund before posting. The issuing bank cannot control the process of other stages except the posting stage.

Compared with the cardholder's repayment, the refund should be regarded as a transaction initiated by the merchant. If the time and amount of the return transaction submitted by the merchant during the refund operation can correspond to the original transaction time and amount one by one, then the issuing bank can accurately offset the account when receiving the return transaction information, but in many cases, the merchant does not do so.

People's Daily Online-Refund of credit card bills in the future is not considered as repayment. You can apply for exemption in case of penalty interest.