In the case of China Merchants Bank Credit Card, if the refund transaction date is after the date of the bill that has been issued, the amount due on the bill that has been issued in the current period cannot be offset, but it can be offset against the new consumption that has not yet been issued. 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 not be refunded to your credit card until you issue a bill. However, transactions or refunds that occur after your bill will actually 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 be used to offset your subsequent consumption in this current bill.