Whether the money returned from credit card consumption is counted as repayment depends on the time of payment:

1. If the refund arrives before the final payment date of the credit card bill, it will be regarded as repayment. payment and restore the credit limit of the credit card in real time;

2. If the refund arrives after the last payment date of the credit card bill, you need to pay the bill before the repayment date. After the refund arrives, it will be deemed as Excess credit card balances can be used within this limit without repayment.

3. In fact, refunds after the bill is not counted as current repayment, which is a common practice of many banks. This is the case for ticket refunds, Alipay account refunds or consumption cancellations from other merchants. Only the funds deposited by the cardholder into the credit card will be regarded as repayment. Customer service from many banks including ICBC, China Construction Bank, Agricultural Bank of China, and Bank of China responded that if the refund occurs after the bill date, it cannot be offset against the current month's repayment, but can only be offset against the next month's repayment.