If consumers get a refund on the day of purchase, they will usually receive a refund on the same day. At this time, if you repay the current credit card debt, you don't need to repay the consumption amount.

If the refund is not returned on the day of purchase, it usually takes a week or more for the refund to arrive, so the cardholder should pay attention to the time when the refund arrives.

If the refund arrives after the account date, the cardholder will repay the arrears according to the arrears shown in the current bill. After the refund is received, it will be used as the overpayment of the credit card, which can offset the future consumption arrears. If you want to withdraw money, you need to pay a certain handling fee.