1. Domestic credit card, UnionPay channel. It takes different time for the bank to refund, but it usually takes the next day to recover the amount. Take 12306 as an example. If you pay by debit card, the money will arrive in real time. If you use a credit card, it will take several days to restore the limit. Accordingly, the credit card limit is occupied in real time during payment.

2. It takes 2-3 days for a general merchant to receive a refund after success, and it may take 2-3 weeks at the longest; The arrival time of the refund is related to the refund method adopted by the merchant, and the merchant needs to be consulted for details; After receiving the refund details, it will be reflected in the bill in a negative form; After the goods are returned by express payment and refunded by the third party, our bank will generally refund the money to the cardholder's credit card account in about 5 working days.

1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From 3.202 1 and 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is five thousandths of the daily interest rate and the lower limit is five thousandths of the daily interest rate).