How many days does it usually take for China Merchants Credit Card installment refund?

2-3 days. It can take 2-3 days to be credited into the account. The time limit for refunds from China Merchants Bank credit cards depends on the merchant's return operation method. If the merchant uses online returns, it usually takes 2-3 days to be credited. If offline (or manual) returns are used, it may take 2-3 weeks. Please consult the merchant for specific return methods. If the transaction date of the refund is later than the current bill date, the refund will not be regarded as repayment of the current bill, and the refund amount will be included in the next bill. If it is an interest-free installment, after a refund occurs, the merchant needs to further confirm. After confirmation, the money will be returned to the credit card, and the user does not need to pay the installment fee. Rather than interest-free installment, even if the installment amount is returned, the handling fee will not be refunded. After the handling fee is included in the bill, the user still needs to pay the handling fee. Therefore, after an installment refund occurs on the China Merchants Bank credit card, the refund will be directly returned to the credit card. At this time, the user only needs to pay attention to whether to pay the installment fee. Apple usually takes 3-5 working days for refunds to arrive in your account. After Apple's official inspection is correct, the refund process will be initiated. The time until the refund is received will be determined based on the payment method. For local credit card, debit card, Alipay or phone payment, the refund will be sent to the card-issuing bank within 3 to 5 working days after receiving the return. About CMB 24 installments 1. The handling fee for CMB credit card installments in 24 installments is 0.68. The credit card installment payment in 24 installments means repayment in 24 monthly installments. China Merchants Bank's credit card installments have no interest, only installment handling fees. Credit card installment payment for 24 installments means repayment in 24 monthly installments. 2. There is no interest for China Merchants Bank’s credit card installment, only the installment fee. The interest of the installment = the number of installments, the rate of the installments, and the amount of the installments. Therefore, the specific interest rate of China Merchants Credit Card in 24 installments depends on the installment rate and the installment amount. For example, if Mr. Wang consumes 10,000 yuan and repays it in 24 installments, and the 24-period repayment rate is 0.68, then the total interest generated by 24 installments of 10,000 yuan is 100,000.6824=1,632 yuan. In addition, applicants can also choose from 2, 3, 6, 10, 12, 18, 24 and 36 phases. The corresponding handling fee rates for each phase are 1.0, 0.9 and 0.75 respectively. , 0.7, 0.66, 0.68, 0.68, 0.68.

How long does it take for a China Merchants Credit Card refund to be checked in the account?

Generally, it takes 2-3 days for a merchant to refund successfully, and it may take up to 2-3 weeks; The time for the payment to arrive is related to the refund method adopted by the merchant. You need to consult the merchant for details; after the refund details arrive, they will be reflected in the bill as a negative number;

If a return occurs in a quick payment transaction, the third party After the refund is made to the bank, the bank will generally refund the money to the cardholder's credit card account in about 5 working days.

1. Where do refunds for credit card purchases go?

Refunds for credit card purchases will be refunded to the credit card account used for payment according to the original route. However, this refund The arrival time may not be very timely. You may receive the refund information after the refund, but in fact it usually takes about 3 to 5 days for the refund to arrive in your account.

Of course, it is also possible that the refund will arrive immediately after the refund. The specific time depends on the bank. Generally, you will receive an SMS notification from the bank after the refund is received. You can pay attention to the SMS notification at any time, or Check the credit card's credit status on the official credit card website.

2. Do I still have to repay after a credit card consumption refund?

Some cardholders think that after a credit card consumption is refunded, there is no need to repay. This is not necessarily correct. , usually divided into two situations based on the time after the refund arrives.

1) If the refund arrives on the bill, then there is no need to repay the current period, and the refund of the consumption amount can be used to offset the amount owed in the current period;

2) If the refund arrives after the bill date, then the current period must be repaid, and the consumption refund amount can only be used to offset the amount owed in the next period.

If consumers encounter the situation of returning goods after using their credit cards to make purchases, the payment can only be refunded directly to the credit card. However, most banks take about half a month for refunds to arrive, and some even take longer. Our China Merchants Bank is unique in that the entire refund time only takes 3 working days.

In our daily consumption, it is not possible to buy satisfactory products every time. At this time, it is useless to complain about how unscrupulous the merchant is, and the only option is to refund the money. So how do we get a refund for the goods we purchased with a credit card? So how to check the refund of China Merchants Bank credit card? If a refund occurs on your CMB credit card, it is recommended that you check whether the funds have been credited into your account. Please log in to the official website of CMB Credit Card (//cc.cmbchina.com/), click "Online Banking Login" on the right and enter your ID number. , Check the password and additional code After logging in to online banking, click "Account Management" - "Account Inquiry" in the horizontal menu above.

Why is the refund on the China Merchants Bank credit card still recorded in the account?

1. Reasons for this problem

The reason why the refund on the credit card is recorded in the statement is because Refunds received after the credit card bill date cannot be recognized as repayments for the current period and can only be credited to the next bill. Therefore, the merchant's refund does not actually play a role in repaying your current bill, but it can offset your consumption after this current bill. Therefore, if the credit card is refunded, it will still be included in the bill.

One is when a refund is received before the credit card bill date. The consumption amount and the refund amount are offset by two. Although the bill will be issued on the billing day, the repayment amount does not include the consumption amount. Including, you only need to pay off other transaction debts.

One is that if the credit card bill is refunded in the future, the amount due after the bill comes out will include the transaction amount, and the bill will not be issued because of the refund. Even if there are no other transaction arrears in the month, repayment is still required.

As for the credit card refunds and bills mentioned, it mainly refers to the second situation. For example, if the bill date is the 15th, and a credit card is used to spend 5,000 yuan on the 12th, a refund will be made. The refund will be credited to the account on the 16th. At this time, the bill has been issued, and the amount due includes the 5,000 yuan. The cardholder will be refunded this month. At least 5,000 yuan must be paid back.

2. Processing method

If a refund is received from the credit card bill in the future, it cannot be recognized as a repayment in the current period and can only be credited to the next bill. This means that even if the refund has been received, it will only be considered a repayment if the cardholder deposits the corresponding amount of funds into the credit card. If the credit card bill is refunded in the future, the refund can be offset consumption in the next period.

If it is a 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.

Can I withdraw cash from China Merchants Bank credit card refund?

If the credit card bill is refunded in the future, the cardholder must use his or her own money to repay because the current balance cannot be deducted, so the refund money can easily turn into an overpayment. Cardholders can withdraw cash directly and often check it. The refund will be returned to the credit card, and the payment has been completed. The money can be withdrawn.

However, this money is considered an overpayment, and high fees will be charged for withdrawal.

1.

This amount can increase the available limit of the credit card or be directly used for consumption repayment.

2.

If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft.

3.

For example, if you need to repay 900 yuan in this period, and the actual repayment is 1,000 yuan, the extra 100 yuan is the overpayment.

4.

If you deposit money into your credit card in advance without consumption, you cannot withdraw this money. If you want to withdraw it, you will be charged a high amount. Handling fees should therefore be avoided. With the curriculum reform and the advancement of quality education, there have been some changes in mathematics teaching materials and test points. A lot of content has been streamlined, and there have also been some changes in the direction, key and difficult points, and ability literacy of the test.

Is junior high school mathematics easier now than before?

I don’t think so. Although some of the previous content is no longer studied and it seems that the content has been streamlined, the basic framework has not changed. The difficulty of the current test paper is more flexible and changeable than the previous test paper. , focusing on the test of students' comprehensive ability and quality, the mathematics questions are more combined with practical problems, and have higher requirements for knowledge transfer and flexible application. Therefore, the difficulty of learning and exams does not decrease but increases. Just look at the test papers. You can take a peek. The mobile certificate login password is a password of 6-8 digits or letters (letters need to be case-sensitive) that you set when activating the certificate. Please recall it (there are a total of 10 opportunities to try the password. At the same time, continuous input errors can reach The certificate will automatically become invalid after 10 times). If you forget your password and it still doesn't work, you have to bring your UKEY, account opening certificate and one of the all-in-one cards associated with the professional version to any CMB branch across the country to apply for a certificate again. Then set a new password (this password cannot be retrieved directly online or over the phone). In general, if you forget your password and can't remember it, then bring your ID card to the bank counter to reset it. login password. The ukey password can be used.,

Does the refund of China Merchants Bank’s credit card count as repayment?

If the refund is received before the billing date, it can offset the current period’s debt, and vice versa. cannot. As long as the refund is made before the bill date, it can be deducted from the repayment, but the refund after the bill date is generally not deductible from the refund. If the refund occurs after the billing date, it cannot be offset against the current month's repayment, but can only be offset against the next month's repayment.

Whether a card refund can be used to offset the debt is generally divided into two situations. If the refund arrives before the bill date, the debt can be offset. If the refund arrives after the bill date, the debt can be deducted. account, then the amount owed in the current period cannot be deducted and can only be credited to the next period's bill.

Extended information

In the bank credit card system, refunds and cash repayments belong to different transaction types. A refund is only a reversal of the original transaction and does not count as actual repayment. The account after the refund is not actually credited to the credit card, but is used as an overpayment on the credit card. The credit card center will restore the corresponding overdraft limit on the credit card, which will take effect on the next billing date.

This bank regulation is to prevent cardholders from using credit cards to cash out illegally. If the cardholder and the merchant collude and use the credit limit to draw out a sum of money at the beginning of each credit cycle, and then the merchant will refund the money to the credit card account at the end of the cycle, if the refund is As a repayment, it means that the cardholder will occupy the funds for free forever.

According to bank practice, future refunds on bills will not be counted as current repayments. For example, assume that the credit card bill date is the 26th of each month and the final payment date is the 15th of the next month. If your credit card generates a refund on October 5, that is, after the billing date (September 26), the refund cannot be regarded as the current repayment and can only be counted to the next month.

"Refunds" in credit cards are different from cash repayments. Air ticket refunds, Alipay account refunds or consumption cancellations from other merchants cannot be included in the current repayment. Repayment is only considered if the user deposits cash themselves. "If the refund is received before the bill date, the consumption can be deducted; but if it is received after the bill date, it cannot be deducted from the current month's repayment and can only be included in the next month's bill." The bank customer service staff said.

The credit card refund process is relatively complicated. The merchant initiates the refund and the bank is only the recipient. Therefore, there will be no SMS reminder when the credit card refund arrives. It is recommended that cardholders encounter actual refund problems. Check with your bank for details.

China Taizhou Net-Is a refund for credit card consumption considered a repayment?

There is a refund of more than 10,000 yuan from China Merchants Bank’s credit card. How can I withdraw the excess amount? How is the handling fee calculated?

The overpayment redemption account must be consistent with your credit card account name, and a certain handling fee must be paid. The handling fee is 0.5 of the amount to be reclaimed. The minimum charge is ￥5 yuan or $1 USD. Currently, China Merchants Bank has launched Preferential policy, the maximum charge is ￥50 yuan or $10 USD. If there are any subsequent changes, please refer to the specific announcement. Handling cash withdrawals for overpayments on China Merchants Bank credit cards: Since the function of a credit card is mainly used for overdraft consumption, it does not have the transfer function of a debit card. Therefore, if you need to claim back the overpayment (i.e. the over-deposited amount), please call the customer service hotline, complete the identity verification in the voice call, and select "9" to transfer to the service specialist to apply.

Overpayment refers to the funds that credit card customers overpay when repaying or the funds stored in the credit card account. A certain amount of fees must be paid to withdraw the overpayment. This amount can increase the available limit of your credit card or be used directly for consumption repayment. If there is an overpayment on the credit card, the overpayment will be deducted first and then the credit limit. If the overpayment is greater than the consumption amount, there will be no overdraft. Methods to avoid overpayment: If a cardholder encounters an "overpayment" situation, it is best to consume the overpayment by swiping the card to avoid unnecessary expenses.

Credit cards have the basic financial functions of bank cards, and credit cards can also meet the needs of cardholders for early consumption. It should be noted that according to the regulations on the use of credit cards, cash withdrawal fees are basically charged for withdrawals from ATM machines. There are many ways to withdraw cash from credit card overflows. Cardholders can take their credit cards to the bank counter of the issuing bank to withdraw cash, or they can withdraw cash at an ATM machine. Withdraw cash. It should be noted that when withdrawing overflow funds, you must pay attention to the limit. Once the withdrawal amount exceeds the overflow amount, in addition to a handling fee, interest will be accrued at a daily interest rate of 0.5%. Under normal circumstances, it is better for cardholders to go to the counter for operation. Overflow funds can be transferred directly at the counter or self-service equipment without any handling fee. Generally speaking, if cardholders have excess funds, they can withdraw money from ATM machines. To put it simply, the extra money deposited by credit card can be withdrawn at the counter without paying any handling fees. However, in accordance with the principles of credit card accounting and risk management, you must generally bring your ID card to process the deposit the next day or later.

This concludes the introduction to CMB credit card refund and CMB credit card refund entry. Have you found the information you need?