hello, when there is a return of credit card shopping, you can contact the merchant to refund the credit card (the money can be directly returned to the credit card). The entry time depends on the processing time of the merchant's acquiring bank, and the general time limit is 15 working days (the monthly repayment is still subject to the actual account situation). In the case of refund by installment, if the customer makes a full refund after purchasing by installment, the installment amount and handling fee that have been billed will be refunded in full no matter what handling fee collection mode; If a partial refund is handled, the accounting operation will adopt the way of accounting adjustment instead of returning the merchant's refund to the customer's account at one time.

Impact of return statement: 1. If the transaction date of return and fee reduction is before the credit card billing date: your consumption at that time has been included in the bill and needs to be repaid, this return payment will be calculated according to a certain proportion and counted as repayment; Please refer to the "repayment amount in this period" found in the credit card online banking.

2. if the transaction date of return and fee reduction is after the credit card billing date: since your consumption has not been included in the bill, you don't need to repay it immediately, so the returned expenses will not be counted as repayment offset bill, and you still need to repay the original amount in this bill.

3. If there is no actual return: since your money has not been returned, it can't be confirmed for the time being. Whether you can offset the bill depends on the actual return of the money. If you need to know, you can confirm it after the money is returned.