Under normal circumstances, when refunds are made using credit cards on this platform, the money will be credited to the cardholder's credit card account within 1-3 working days after the merchant completes the processing.

If a refund occurs after using a credit card to make a purchase on JD.com, the merchant will process the refund request within 1-3 working days. Once processing is complete, the funds will automatically be refunded to the cardholder's credit card account.

This process usually takes 1-3 working days, depending on the processing speed of the bank and credit card issuer. Therefore, cardholders need to wait patiently for some time to receive their refund.